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Loan Genius app icon
Finance · Calculator · iOS

The mortgage calculator that shows you everything

Home price, rate, term — put them in and get your exact monthly payment, total interest, and a full amortization schedule. Then stress-test with what-if scenarios.

Get Loan Genius — $0.99 Support

$0.99 one-time · No subscription · iOS & iPadOS · By Decent4

What it does

Every number you need to make the call

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Full amortization

See every payment broken down — principal vs. interest, remaining balance, cumulative totals. Not just the monthly number.

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What-if scenarios

Change the rate by 0.5%, extend the term by 5 years, bump the down payment — see the impact instantly.

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Mortgage-ready

Built for home buyers — handles down payment, PMI estimates, and standard 30/15/10-year terms out of the box.

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Instant results

No loading, no account, no ads. Enter numbers, get answers. Designed to be fast and get out of your way.

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$0.99, forever

One-time purchase. No subscription, no upsells, no freemium lock. Pay once, use it whenever you need it.

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iOS & iPadOS

Works great on iPhone and iPad. Clean layout that makes numbers easy to read without squinting.

Get the app

Make smarter loan decisions

$0.99 on the App Store. One-time purchase, no subscription.

$0.99 — buy once, own forever

Get Loan Genius on App Store

Made by Decent4 · Early payoff calculator · Amortization calculator · Support · Privacy

Current App Store listing

Loan Genius

Version 1.1.3 · Verified 2026-09-30 · US App Store

Read the published app description

Loan Genius is a fast, private loan and mortgage calculator built for real payment decisions — not ad clutter. Estimate monthly payments, compare scenarios, review amortization, and save the numbers that matter before you talk to a lender, realtor, dealer, client, or partner. Whether you are checking a mortgage payment, comparing refinance options, estimating a car loan, or stress-testing different rates and terms, Loan Genius keeps the math clear and easy to share. What you can calculate: • Monthly loan and mortgage payments • Principal, interest, taxes, insurance, PMI, and HOA estimates • Down payment by percent or dollar amount • Loan amount, total interest, and payoff totals • Amortization schedules • Extra payment impact • Rent vs. buy comparisons • Affordability and goal scenarios • Saved/favorite loan scenarios Built for real conversations: • A buyer wants to know what a home price really costs each month • A realtor wants to compare scenarios with a client • A homeowner wants to test refinance math • A borrower wants to compare rates, terms, and down payments • A car buyer wants to sanity-check a monthly payment Save scenarios, duplicate them, adjust the numbers, and share a cleaner summary when the conversation moves beyond “rough estimate.” Private, paid, and ad-free: Loan Genius is a paid app because the calculator should be the product — not your attention. No ad spam. No noisy banners. No tracker-filled finance clutter. Your calculations stay on your device unless you choose to share or export them. Why people use Loan Genius: • Fast payment estimates • Clear loan breakdowns • Amortization without spreadsheet work • Saved scenarios for comparing options • Client-ready summaries • Clean interface with no ad junk • Useful for mortgages, refinance, car loans, and general loan planning Loan Genius helps you answer the question that actually matters: “What does this loan really cost?”

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