# Ultimate VA Calculator vs Penciled

The clearest difference is in-app purchases: Ultimate VA Calculator at none against Penciled's 2. Penciled's advantage is update cadence (every 2 days vs every 3 weeks). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Penciled sells 2 in-app purchases, starting at $19.99 per year. Ultimate VA Calculator asks for nothing beyond the download.

Ultimate VA Calculator ships an update every 3 weeks, Penciled every 2 days. Both last shipped on October 25, 2026.

## The numbers

| Metric | Ultimate VA Calculator | Penciled |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (7 ratings)](https://appshunter.io/ios/app/ultimate-va-calculator/id6503102921/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 days** |
| Monetization | Free | — |
| Size | 26 MB | 41 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Veterans Agents Inc.](https://appshunter.io/developer/1748000592) | [Joseph Wiktorek](https://appshunter.io/developer/1892544558) |

## What reviewers say

### Ultimate VA Calculator

[App page](https://appshunter.io/ios/app/ultimate-va-calculator/id6503102921)

This app assists military personnel and veterans with real estate transactions. It offers tools for calculating VA home loan rates, mortgage payments, BAH, home sale proceeds, and rent vs. buy comparisons. It also provides expert insights for informed decision-making.

**Highlights:** Daily VA Home Loan Rates, VA Loan Calculator, BAH Calculator, Home Sale Net Proceeds Calculator, Rent Calculator, Expert Education & Insights

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Penciled

[App page](https://appshunter.io/ios/app/penciled/id6762027748)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Advisor | $19.99 | per year |
| Penciled Pro | $4.99 | one-time |


## Frequently asked questions

### Is Ultimate VA Calculator free?

Ultimate VA Calculator is free to download, with no in-app purchases.

### Is Penciled free?

Penciled is free to download, with in-app purchases available.

### Do Ultimate VA Calculator or Penciled have ads?

Neither Ultimate VA Calculator nor Penciled shows ads.

### Which is updated more often, Ultimate VA Calculator or Penciled?

Ultimate VA Calculator ships an update every 3 weeks, and Penciled every 2 days. Most recently, Ultimate VA Calculator was updated on October 25, 2026 and Penciled on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*