Sparvy: Savings & Loans

Sparvy shows what interest does to money — when it works for you, and when it works against you.

Save: drag the monthly amount, drag the years, and the final sum changes in front of you. Press play and watch the years pass. Add a fee and see exactly what it costs, in money and as a share of your total. Tap the growth and see how much of it is interest on interest.

Borrow: the same page, turned around. Choose a mortgage, car loan or personal loan, set the rate and the term, and see what it costs each month and what the interest adds up to over the years. Compare annuity with straight amortisation, add an extra payment each month, or start with a few interest-free months — and see when the loan is gone. Split a mortgage into parts with different rates and fixed terms.

In Sweden there is a third page: your salary after tax for 2026, with a company car if you have one, checked against the Swedish Tax Agency's own calculator.

The return and the rate you enter are yours. Sparvy never predicts the market and recommends no products. The info page shows what history has looked like, with sources, so you can set a reasonable assumption yourself. Education, not advice.

Everything is calculated on your phone. No account, no server, no tracking. One price — no ads, no subscription, nothing more to buy. English, Swedish, German and Spanish, in your own currency from the first launch.

And one more thing: something is hidden behind the sparrow on the info page.

Built in Sweden, with love.