Sparvy for iPhone
Drag the monthly amount. Drag the years. Watch the final sum change under your finger — and see what a fee really costs. Then turn the page around and see what a loan does over time.
Download on the App Store29 kr, once. No ads, no subscription, nothing more to buy.
One page. Drag the amount, drag the years, tap the return, add a fee. The sum answers while you drag, and a play button walks through the years one tick at a time. Tap the growth to see how much of it is interest on interest.
Mortgage, car loan or personal loan. Set the rate and the term and see what it costs a month and what the interest adds up to over the years. Annuity or straight amortisation, an extra payment a month, a few interest-free months to start — and the day the loan is gone. Split a mortgage into parts with different rates.
A third page, only in Sweden: gross pay, your municipality, the state tax and the earned-income credit for 2026 — and the company car from your payslip. Checked against Skatteverket’s own calculator.
The return you type is yours. Sparvy never predicts the market and recommends nothing. The info page shows what history has looked like — the Stockholm exchange since 1974, what funds usually cost — with the sources, so you can set an assumption you believe in.
$1.99 / €1.99 outside Sweden. The App Store shows your price.
That is the whole privacy policy.
No. It is a number you choose. The info page shows what history has looked like, with sources from Finansinspektionen, Fondbolagens förening and the Riksbank, so you can pick a reasonable one.
Because the tax rules are Swedish — municipal rate, state tax, the earned-income credit and company-car benefit for 2026, checked against Skatteverket’s calculator. Anywhere else the page would mislead, so it doesn’t show.
Always. Sparvy makes no network calls at all.
Something. Tap it on the info page.