Classic Loan Calculator 2

Classic Loan Calculator is now a unified macOS and iOS experience with iCloud sync. Build and compare loans in seconds: enter your principal, interest rate, and term to get a full amortization schedule with a clean, liquid-glass interface. Go deeper with side-by-side comparisons, a spare-cash optimizer to see whether investing or paying down debt saves more. 

All calculations stay in sync across your devices via iCloud, with robust import/export for backups.

Highlights:

- Instant payments and full amortization schedules with interest vs. principal breakdowns.
- Loan comparison: baseline vs. selected loans, delta coloring, and CSV export.
- Spare-cash optimizer: paydown vs. invest scenarios, break-even insights, grouped results, CSV export.
- Multi-currency with seeded rates, manual refresh, and per-loan currency selection.
- Flexible interest: fixed, manual steps, or periodic cadences (monthly/quarterly/semestral/annual).
- Partial paydowns: occasional and recurring, plus custom start dates.
- Number-format settings: grouping/decimals applied across UI and exports.
- iCloud sync between MacOS, iPhone and iPad.
- JSON import/export with security-scoped access for backups or migration.
- Fully localized UI (14+ languages) and modern liquid-glass visuals.

What’s New in This Version

- Unified macOS + iOS app with shared features and CloudKit sync.
- New iOS layouts for comparison and spare-cash views; macOS comparison table restored.
- Half-yearly interest cadence added; streamlined rate-step editor with reseed/interval helpers.
- Native glass effects on iOS 18+/macOS 15+ with graceful fallbacks.
- Improved JSON import/export, CSV exports, and number-format consistency across the app.