Penciled

Precision Loan Calculator

17 purpose-built loan calculators. Real-time results. Zero ads, zero tracking. All calculations happen on your device.

Every Loan Type

Mortgage with PITI, auto loans, student loans with IBR plans, credit card payoff, HELOC, ARM analysis, refinance break-even, rent vs buy, and more.

Real-Time Results

Numbers update instantly as you adjust inputs. Amortization schedules, charts, and payment breakdowns appear the moment you change a value.

Privacy First

All calculations happen on your device. No data leaves your phone. No accounts. No analytics. No ads. No tracking.

One-Time Pro

6 calculators are completely free. Unlock all 17 plus portfolio tracking, export, and comparison for a one-time $4.99 purchase. No subscriptions.