Terms of use

Raptally is provided “as is”. It applies the rules described on this site to the loans and settings you provide. It is not financial, tax or legal advice. It relies on your figures and settings being complete and accurate, and it doesn't cover the cases listed in the FAQ. You remain responsible for the repayment plan you choose with your servicer. Raptally is not affiliated with, endorsed by or sponsored by the U.S. Department of Education, any loan servicer or software company.

Free plan

The free plan lets you check files of any size and see the full plan comparison, every flag, 3 income what-ifs, 5 years of the RAP schedule and the first 12 loans.

Pro

Pro is licensed per person. Payments are processed by Polar (polar.sh) as merchant of record, which calculates and collects any sales tax or VAT; the checkout page and your receipt show our Polar seller name, Launchtools. Subscriptions renew automatically until cancelled; the 7-day pass expires after 7 days. Refunds are available within 14 days if Raptally can't read your file or applies a rule incorrectly.

Acceptable use

Don't resell or redistribute license keys.

Trademarks

Excel and other names are trademarks of their respective owners. Products named on comparison pages are mentioned only for comparison; Raptally is not affiliated with, endorsed by or sponsored by any of them.

Last updated: 2026-10-29