As a developer, I decide to devote my spare time to the development of iOS apps. I created just a couple of them, at the moment, and you can find some interesting detail in the next sections.
My Own Loan (myMutuo)
My Own Loan has been my very first iOS published app. It is currently localized in four languages: Italian, English, French and German.
My Own Loan is a quick calculator to estimate the installments of a mortgage or loan, and understand how them vary with time. From now on you will know:
1. How many payments you've already paid and how many remain
2. How to lower the installments with a prepayment
3. How each installment varies with the variation of interest rate, month after month
4. You can finally find out what financing is for you!
And it will all be really easy and fun!
My Own Loan is a simple but powerful application to calculate the ideal mortgage for your new home, or the funding base for your next gift (a car, a next-generation TV, a tablet PC, etc.). Plans My Own Loan calculated, in fact, apply for loans both for simple loans: myMutuo and 'very flexible in this! And if you already have a mortgage on, simply set the start date of funding and lack of knowing in advance what rate to pay!
The possibility of performing calculations for both fixed (fixed rate + spread, or IRS) and for floating interest rates (ECB rate / Euribor + spread) is used to analyze each case study. Euribor rates, IRS and the ECB can be updated online (when the application starts or by hand) to be always aligned with the current rates, or they can be customized by hand. Once you save a sample calculation for a mortgage will be easy to follow the variations of the rate at varying rates, day after day: one click!
To better understand how your mortgage can vary for each installment, set for manual changes. Enter a partial prepayment, or a change in the rate of interest, and look as does the total cost of your mortgage, and the amount of your installments.
Who has never been living in a house with other roommates or friends, and had to think: "Now I have to deal again to see if I have to repay my debt to someone, or if anyone else is in debt to me. "
With iSpent the game is easy: for every small or big spending at home (and not) you decide who has paid and who participates in the expenditure. Adding up all the little expenses iSpent makes all the calculations for you: here is the one who did not pay yet!
It will become a snap to share the costs, manage their bills, the accounts of the restaurant and pizzeria and so on. And if the expense can not be divided in equal parts, but someone has to pay an extra sum (e.g. not everyone will pay your own deodorant!) just add an "Extra": that amount will be paid by only one person, while all the rest will be divided among the participants.
iSpent will handle this for you, with incredible ease. And if you think something is still missing to reach the perfection, please let me know: maybe in the next version of iSpent your wishes will come true!