Luxe Deferral

Luxe Deferral is an offline personal planning tool for comparing two repayment forecasts for one debt: the original schedule and a hypothetical schedule where one monthly payment is skipped. Enter your own debt details manually, choose one payment month to skip, and review the projected effect on repayment timing, added interest and balance after the skipped month. The app is designed for planning only. It does not offer deferrals, change loan terms, contact lenders, recommend lenders, provide loans, or give financial advice. Key functions: - Enter one debt with currency, starting principal, nominal annual rate, regular monthly payment and first payment date - Compare the baseline repayment forecast with a forecast where one selected month has a zero payment - View projected added interest, added months, payoff dates and balance after the skipped payment - Inspect an amortization schedule with monthly interest, payment, capitalized interest and ending balance - Save calculations locally and review recent records in a searchable journal - Keep a separate draft that can be restored after restart - Optionally attach one photo of your own paper note to a saved record - Set a preferred currency for new calculations and choose a date display format The calculation model uses a fixed nominal annual rate with monthly interest. Interest is calculated before payment, and in the skipped month the interest is capitalized. The model assumes no fees, penalties, grace periods, rate changes, extra payments or daily interest. Real agreements may work differently. All calculation data is entered by you and stored on your device. The app has no accounts, advertising, usage analytics, sync, or network requests.