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. - New Spare Cash Optimizer modes: - Minimize total interest. - Minimize monthly payments. - Find the best strategy automatically. - 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.