Every loan decision,
modeled clearly.
Loan IQ turns mortgage, auto, refinance, and rent-vs-buy math into clear answers — amortization charts, PDF exports, and side-by-side comparisons, calculated entirely on your device.
Good morning
Plan your next
big purchase
Standard Loan
P&I, total interest, payoff date
Home Mortgage
Full PITI with PMI and HOA
Auto Loan
Trade-in, sales tax, dealer fees
Affordability
Max home price for your budget
Refinance
Break-even on closing costs
Rent vs. Buy
Long-term net worth comparison
Whatever you're financing, it's already in here
No more juggling five different calculator apps and a spreadsheet. Every scenario — from a first mortgage to a rent-vs-buy decision — lives in one place.
Standard Loan
P&I, total interest, payoff date
Home Mortgage
Full PITI with PMI and HOA
Auto Loan
Trade-in, sales tax, dealer fees
Affordability
Max home price for your budget
Refinance
Break-even on closing costs
Rent vs. Buy
Long-term net worth comparison
ARM Mortgage
Worst-case adjustable rate path
Compare Loans
Up to 4 scenarios side by side
Amortization
Payoff in 26y 4m
Watch every payment chip away at the balance
An interactive amortization table breaks down principal vs. interest for every payment, with an extra-payment simulator that shows exactly how much time and interest you'd save.
- Full payment-by-payment schedule
- Extra-payment / early-payoff simulator
- Export the schedule as PDF or CSV
Compare Loans
3 of 4 scenarios
Line up to four loans, side by side
Rates, terms, and down payments look different on paper. Compare Loans puts up to four full scenarios next to each other so the real trade-offs — total interest, payoff time, monthly cost — are obvious at a glance.
- Up to 4 loan scenarios at once
- Total interest & payoff-time deltas
- Save any calculation as a reusable profile
Settings
Multi-currency support
Your currency. Your country's compounding rules.
Switch between USD, CAD, EUR, GBP, AUD, and INR, and choose monthly (US) or semi-annual (Canadian) interest compounding — applied consistently across every calculator, save, and export.
- 6 supported currencies
- US monthly vs. Canadian semi-annual compounding
- Applies everywhere automatically
Your numbers are yours.
We don't want them.
Loan IQ was built so you can price out a mortgage or an auto loan without handing your financial details to anyone. Here's exactly how that works.
Read the full privacy policyMath runs on your device
Every calculation — mortgage, amortization, refinance break-even — is computed locally. No loan numbers are ever sent to a server.
No account, no sign-up
Open the app and start calculating. There's no login, no email capture, nothing to create before you can use it.
Saved profiles stay local
Loan scenarios you save are stored only in the app's local storage on your phone, not synced to any cloud database.
Clear, published policy
Ad partners and the limited diagnostics we use are disclosed in full — read exactly what's collected and why.
Know the numbers before you sign.
Loan IQ is free, works offline, and never asks for an account. Download it and run your first calculation in under a minute.