The short version
Loan Genius is a private loan and mortgage calculator for payment estimates, amortization, extra payment impact, and saved loan scenarios.
- Monthly payment estimates for loans and mortgages.
- Principal, interest, taxes, insurance, PMI, HOA, down payment, and total-cost views.
- Amortization schedules, extra payment impact, rent-vs-buy checks, and saved scenarios.
- Paid, private, and ad-free because the calculator should be the product.
What it is
Loan Genius is an iOS loan and mortgage calculator for real payment decisions. It estimates monthly costs, breaks down loan inputs, shows amortization, and lets users save scenarios before a financial conversation.
Who it helps
The app fits buyers, homeowners, realtors, car buyers, and anyone sanity-checking a loan. The useful question is simple: what does this loan really cost each month, and what changes if the rate, term, or down payment changes?
Why Decent4 built it
Most finance calculators are cluttered with ads and lead-capture funnels. Loan Genius takes the opposite position: the calculator is the product, the math should be clear, and the user's scenarios should stay private unless they choose to share them.
Where it fits
In the Decent4 portfolio, Loan Genius is the utility app: focused, paid, practical, and easy to explain. It supports the company's broader privacy-respecting app story.
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