# Penciled — 17 loan calculators. No ads. > 17 loan calculators. No ads. (iPhone/iPad app by Joseph Wiktorek.) - Source: https://appshunter.io/ios/app/penciled/id6762027748 (this page in markdown: same URL + `.md`) - Developer: [Joseph Wiktorek](https://appshunter.io/developer/1892544558) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 41 MB - Languages: American English - Released: 2026-04-23 - Data updated: 2026-07-14 - User reviews in markdown: https://appshunter.io/ios/app/penciled/id6762027748/reviews.md ## What is Penciled? The honest loan calculator. 17 tools. One $4.99 purchase. No ads, no tracking, no login. Ever. Built by one developer who got tired of the alternatives. Most loan calculators are storefronts dressed up as utilities. They want your email, your data, or your attention so they can sell it. Penciled wants $4.99, once, and then leaves you alone. Penciled is 17 calculators that cover the loans you actually take out: mortgages, auto loans, credit cards, student loans, HELOCs, construction loans, business loans, and more. Every calculation runs on your phone. Nothing leaves the device. Export full amortization schedules to PDF, Excel, or CSV when you need to show your work. WHAT'S INCLUDED Mortgage and Real Estate - Mortgage payment with PMI, taxes, insurance - Refinance break-even - ARM (adjustable-rate) projection - Affordability (how much house) - Rent vs. buy - HELOC draw and repay - Construction loan - Home equity (invest vs. pay down) Auto and Equipment - Auto loan - Boat and RV - Equipment financing Debt and Credit - Credit card payoff (three strategies) - Personal loan - Student loan - Debt consolidation - Debt strategy (snowball vs. avalanche) PRIVACY No accounts. No sign-up. No email. No analytics SDK. No ad network. No data broker pipeline. The app does not have network permissions for calculation data because it does not need them. If your iPhone is in airplane mode, Penciled works exactly the same. PRICE $4.99, one time, lifetime. Unlocks all 17 calculators and all export formats. If you buy a new iPhone, tap Restore Purchases and it comes back. ADVISOR MODE (OPTIONAL) $19.99/year for licensed mortgage brokers who want branded PDF exports — your logo, NMLS #, brand color, and "Prepared by" footer on every page. 7-day free trial. Completely optional. The core $4.99 Pro tier has everything a consumer needs and always will. EXPORTS Every schedule exports to PDF (formatted for printing or sharing with a lender), Excel (.xlsx with formulas intact), and CSV (for your own spreadsheet work). Useful when a loan officer asks you to show how you got there. WHO THIS IS FOR Homebuyers running scenarios before they talk to a lender. Refinancers checking whether the break-even math actually works. People paying down credit-card debt who want to see the avalanche method in numbers. Small-business owners pricing equipment loans. Anyone who wants the answer without handing over their data. CONTACT joe@equityleveloperations.com I read every email. If a calculator gives you a result you think is wrong, tell me and I will fix it. TERMS & PRIVACY Terms of Use (EULA): https://penciled.dev/terms Privacy Policy: https://penciled.dev/privacy ADVISOR SUBSCRIPTION (OPTIONAL) Advisor is an auto-renewable annual subscription for licensed mortgage brokers that adds branded PDF export (logo, NMLS, brand color, "Prepared by" footer, compliance disclaimer). $19.99 per year. 7-day free trial. Cancel anytime in Settings. Payment is charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Account will be charged for renewal within 24 hours prior to the end of the current period. Subscriptions may be managed by the user and auto-renewal turned off by going to the user's Account Settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penciled.dev/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Advisor | $19.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Penciled Pro | $4.99 | one-time | ## Version history (last 4 releases) ### 1.2.7 — 2026-04-29 A major update over v1.2.0: New • Existing Loan mode — model an in-progress mortgage and project the impact of go-forward extras • First-payment date picker — handles loans up to 30 years old • Plain-English insight on every result, written for the recipient • Cleaner PDF and share exports built for handing to a client Improvements • Saved scenarios persist reliably across launches • Restore Purchase and Manage Subscription added to Settings • Easy back navigation everywhere • Numerous performance and stability fixes ### 1.2.2 — 2026-04-27 Fixed two issues affecting some users since the last update: • Calculator screens occasionally crashed on certain devices. • Saved settings, scenarios, and broker profile information could be reset when reopening the app. If you had Advisor information saved before this update, please re-enter it once after installing — it will now persist correctly. ### 1.2.0 — 2026-04-26 Advisor Mode: branded PDF exports for solo mortgage brokers. • Upload your logo — it appears on the cover and every page header • "Prepared by" footer with your NMLS #, email, and phone • Custom brand color threads through section dividers and key numbers • Compliance disclaimer on every page • 7-day free trial, then $19.99/yr — founder cohort locked for life Plus: refinance cash-out UI, second-home tax treatment for boat/RV loans, DTI guideline cues under Affordability. ### 1.1.5 — 2026-04-23 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-14.*