Know the real cost before you borrow
Builds a full repayment schedule for a business loan, equipment finance deal or overdraft from the loan amount, interest rate and term - monthly payment, total interest, and a balance staircase showing exactly what's left to pay at the end of each year. Add an optional extra monthly overpayment to see how much faster and cheaper it clears. Save any set of numbers as a scenario to compare loan options side by side.
Real captures of the running app: a 15-year, 3-year balance staircase in light mode, the Calculator tab in dark mode, and Saved Scenarios comparing two loan options side by side.
Calculator tab, light mode - a longer-term loan's balance staircase
Calculator tab, light mode - a shorter-term loan's balance staircase
Calculator tab, dark mode
Saved Scenarios, dark mode - loan options compared side by side
Enter the loan amount, annual interest rate and term, and the calculator works out the fixed monthly payment and the total interest paid over the life of the loan, live as you type.
One bar per year, height proportional to the balance still owed - watch the loan step down to zero at a glance, without reading a full month-by-month amortisation table.
Add an extra amount on top of the scheduled payment and see exactly how much faster the loan clears, and how much interest that saves over the full term.
Name and save a full set of inputs and results as a scenario, and build up a comparison table of loan amounts, rates or terms side by side - no re-entering numbers to compare a second option.
Built for a business loan, equipment finance deal or overdraft - deliberately kept distinct from the crowded field of personal mortgage and personal-loan calculators already on the Store.
GBP, EUR, USD, AUD, CAD and NZD symbols - loan arithmetic doesn't vary by country, so you just pick the symbol that matches your own borrowing.
A light/dark toggle that remembers your choice, and "Load sample" fills in a realistic loan so you can see the calculation before entering your own numbers.
Everything lives in local storage on your device - no account beyond your shared Metre2 sign-in, no server, no internet connection required to use it day to day.
No lender comparison shopping, no application forms, no credit checks - just the repayment maths for a loan you're already considering or already have.
Most small businesses either build an amortisation formula in a spreadsheet from scratch, or use a lender's own online calculator that doesn't let them save or compare options. Here's how a dedicated, focused calculator compares.
| Feature | Business Loan Repayment Calculator | A spreadsheet | A lender's online calculator |
|---|---|---|---|
| Pricing model | £0.79 one-off after trial | Free (if you already have Excel/Sheets) | Free, but ties you to one lender's site |
| Works fully offline | ✓ | ✓ (local files) | ✕ (web page) |
| Balance staircase visual, not just a formula cell | ✓ | ✕ (build a chart yourself) | ✕ (usually a single figure) |
| Saved scenarios for side-by-side comparison | ✓ | ✕ (duplicate sheets/rows manually) | ✕ (nothing saved between visits) |
| No formula errors to debug | ✓ | ✕ (one broken cell reference and it's wrong) | ✓ |
| No account required to set up | ✓ | ✓ | ✓ |
General comparison as of August 2026 - features and pricing vary by spreadsheet tool and by lender. Not sponsored by or affiliated with any spreadsheet tool or lender.
It's a Windows desktop app. It is not yet available on the Microsoft Store - a Store listing is planned, but for now the app is built and ready ahead of submission.
The Store is crowded with personal-finance mortgage and personal loan calculators. This one is framed for business borrowing - a business loan, equipment finance or an overdraft - with scenario comparison aimed at business decisions rather than personal ones.
Loan amount, annual interest rate, and term in years. An optional extra monthly overpayment shows how much faster and cheaper the loan clears if you pay more than the scheduled amount.
A bar chart with one bar per year of the loan, height proportional to the balance still owed at that year-end - so you can see the loan stepping down to zero at a glance, rather than reading a long month-by-month table.
Yes - save any set of inputs and results as a named scenario, and build up a comparison table of loan amounts, rates or terms side by side without re-entering numbers.
Everything persists on your device between sessions - nothing is uploaded anywhere. The app works entirely offline with no server dependency, and data doesn't currently sync across multiple devices.
No - it's a calculator to help you work out a figure, not financial advice. Real lender terms, fees and rate types (fixed vs variable) will affect the actual numbers - always check with your lender and take professional advice for business borrowing decisions.