5 loan types, multi-scenario comparison, borrowing capacity, buy vs. rent, and rental investment across 8 tax regimes. All your calculations stay on your phone — no financial data is ever sent to a server.
Free with ads · Pro from €4.99/month or €14.99 for life
From your first monthly-payment calculation to the tax treatment of an incorporated rental investment.
Compare up to 3 loan types side by side, on the same amount, to instantly see which one costs the least.
Find out how much you can borrow based on your income, expenses and down payment, at the 35% maximum debt ratio.
Precisely calculate from which year buying becomes more financially advantageous than renting.
Cash flow, yield, and full tax treatment across 8 regimes.
Export your simulations and comparisons in one tap, to send to your bank or broker.
Simulate an extra payment and see the interest saved, with the legal early-repayment penalty built into the calculation.
No account, no sign-up. Every simulation is calculated directly on your phone — we never receive nor store your personal financial data.
Full detail of what is (and, above all, is not) collected by the app and its providers.
Read the full policyYes. The base simulator (5 loan types, unlimited amount/term/rate, amortization schedule) is entirely free, funded by ads. Advanced features are reserved for the Pro version.
No. All calculations are performed locally on your phone. We have no server that receives or stores your simulations. More details in our privacy policy.
Yes, anytime from your Apple ID settings (App Store → your profile → Subscriptions), with no commitment or hidden fees.
Both unlock exactly the same features. Lifetime access is a one-time payment of €14.99 that never renews; the subscription is €4.99/month, more flexible for a one-off need.
Not at the moment. Je Simule Mon Emprunt is currently iOS-only.
No. Results are indicative and for informational purposes only. They do not constitute a loan offer and do not replace the advice of a bank, broker, notary or accountant.
Download Je Simule Mon Emprunt and get your first simulation in under a minute.
Download on the App Store