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The best mortgage calculator apps for Android and iOS depend on what you need to model: Mortgage Pal is the strongest broad iPhone/iPad toolkit, Clearlane is the most feature-rich Android choice for U.S. loan programs, and eCode is a mature free Android option. None replaces a lender’s official Loan Estimate, and several apps calculate only part of the real housing payment.
This U.S.-focused shortlist compares 10 apps by platform availability, payment inputs, amortization, extra-payment and refinance tools, affordability features, privacy signals, advertising, maintenance, and cost. Store ratings, review counts, pricing, update information, and availability were checked on August 16, 2026; those details can change by country, device, app version, and storefront.
Key takeaways
- Mortgage Pal is the best all-around iPhone and iPad choice because it combines payment, affordability, refinance, HELOC, closing-cost, and rent-versus-buy tools.
- Mortgage & Loan Calculator by Clearlane Studio is the strongest Android candidate for U.S. buyers who want PITI, FHA, VA, USDA, ARM, DTI, points, and refinance calculations in one app.
- U.S. Mortgage Calculator by eCode is a mature free Android option with PITI, amortization, extra-payment scenarios, sharing, and up to 10 saved calculations, but it contains ads.
- A principal-and-interest result is not the same as a full housing payment; property taxes, insurance, PMI or MIP, HOA dues, and other costs can materially change the monthly total.
- App-store descriptions and privacy disclosures are developer-supplied evidence, not independent proof that an app is mathematically accurate, private, or suitable for underwriting decisions.
How were the best mortgage calculator apps for Android and iOS selected?
The shortlist uses a transparent editorial framework rather than ranking apps by star rating alone. The most important criterion is whether an app exposes the costs a U.S. borrower actually needs to compare, followed by scenario analysis, amortization, usability, privacy, platform support, maintenance, and price.
| Criterion | Weight | What it measures |
|---|---|---|
| Mortgage inputs and realism | 25% | Taxes, insurance, PMI or MIP, HOA dues, points, and closing costs |
| Scenario analysis | 20% | Extra payments, refinancing, affordability, ARM modeling, and term comparisons |
| Amortization quality | 15% | Payment schedule, remaining balance, total interest, charts, and export |
| Usability | 15% | Clear inputs, sliders, saved scenarios, comparisons, and readable results |
| Privacy and data practices | 10% | Account requirements, advertising, tracking disclosures, and offline claims |
| Platform and maintenance | 10% | Android or iOS availability, update recency, and device support |
| Cost and value | 5% | Free features, advertisements, subscriptions, and one-time unlocks |
These are research-based recommendations from current store listings, not independent hands-on test results. A store listing can identify claimed features, but it cannot establish that an app handles rounding, insurance rules, payment timing, or loan-program fees correctly in every situation.
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Which mortgage calculator app is best for each borrower?
| App | Verified platform | Best for | PITI inputs | Extra payments | Refinance or affordability | Privacy, ads, or cost signal |
|---|---|---|---|---|---|---|
| Mortgage Pal | iPhone, iPad | Broad home-planning toolkit | PMI, taxes, insurance, HOA | Yes; multiple frequencies | Refinance, break-even, affordability | Free listing; iOS availability verified |
| Mortgage Calculator + | iPhone, iPad | Saved comparisons and PDF reports | Taxes, insurance, utilities, fees | Interest-savings analysis | Scenario comparison | $2.99 listing plus in-app purchases |
| Clearlane Mortgage & Loan Calculator | Android | U.S. loan-program modeling | PITI, PMI, HOA | Not specifically verified in the listing summary | FHA, VA, USDA, ARM, DTI, refinance | No-account claim; other pricing details not visible |
| U.S. Mortgage Calculator | Android | Established free Android calculator | PITI, taxes, PMI, insurance, HOA | Monthly and biweekly | Payoff acceleration; no explicit program support verified | Free with ads; approximately 100K+ downloads |
| Mortgage Calculator: Loan Mate | Android | Payoff planning and offline claims | Insurance, taxes, HOA, expenses | Extra and lump-sum payments | Rate-step scenarios | Ads and in-app purchases; developer claims offline/no tracking |
| Mortgage Calculator | Android | Simple amortization and exports | PMI, taxes, insurance, fees | Monthly, quarterly, yearly, biweekly, and one-time | Not specifically verified | Free with ads; approximately 100K+ downloads |
| Bricks Calc | iPhone, iPad, Mac, Apple Vision Pro | Modern Apple scenario comparison | Taxes, insurance, PMI, rental income, expenses | Recurring and one-time | Refinance and saved plans | Free to try; no-ads and iCloud claims; in-app purchases |
| Mortgage Calculator & Analysis | iPhone, iPad | Visual analysis and advanced comparisons | Loan analysis; exact PITI scope should be checked | Early-repayment simulator | Break-even, DTI, rate sensitivity | Free with in-app purchases; ad-free Pro claim |
| Loan Calculator & Mortgage | iPhone, iPad | Affordability and refinance planning | Taxes, insurance, HOA, PMI | Monthly and lump-sum | Affordability, DTI, refinance break-even | Free with in-app purchases |
| Mortgage Calculator by Asaru Labs | iPhone, iPad | Offline-oriented Apple planning | Taxes, insurance, PMI | Yes | Refinance and affordability | Developer claims no ads, tracking, account, and offline use |
Platform coverage is not symmetrical. A listing verified on the Apple App Store does not prove that the same app exists on Android, and a Google Play listing does not prove iOS availability. The table shows only platforms verified in the supplied research.
1. Mortgage Pal — best all-around iPhone and iPad toolkit
Mortgage Pal is the best iPhone and iPad choice for buyers who need more than a single payment estimate. The official App Store listing describes a payment calculator, affordability calculator, refinance calculator with break-even analysis, HELOC calculator, rent-versus-buy calculator, closing-cost calculator, and mortgage-rate trend visualizer.
The app supports PMI, property taxes, homeowners insurance, HOA fees, extra payments, and multiple payment frequencies. That combination makes Mortgage Pal particularly useful for first-time buyers comparing purchase prices, down payments, and realistic monthly housing costs. The U.S. App Store listing showed a free download and approximately 4.8 stars from 4.7K ratings when checked on August 16, 2026.
Limitations: The broad feature set may be excessive if you only want a quick principal-and-interest result. Rate trends and closing-cost estimates need local and current inputs. Android availability was not verified, so Android users should not assume an equivalent listing exists.
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2. Mortgage Calculator + — best for saved scenarios and PDF exports
Mortgage Calculator + is a strong established iOS option for borrowers who want to save multiple loans, compare them, and share a report. The App Store listing for Mortgage Calculator + includes monthly, weekly, and biweekly payment frequencies; taxes, insurance, utilities, and fees; extra-payment savings; amortization; saved mortgages; iCloud synchronization; and PDF or email export.
The app is useful when you are comparing a 15-year loan with a 30-year loan, or when you want a saved record of different down-payment and extra-payment assumptions. The listing showed a $2.99 price plus in-app purchases as checked on August 16, 2026, so Mortgage Calculator + is not the best free-first recommendation.
Limitations: iCloud synchronization is most useful inside the Apple ecosystem. The visible version-history information appeared dated in the captured research, so maintenance should be checked on the current store page before downloading.
Best for: Apple users who value saved calculations, side-by-side comparisons, amortization, and shareable PDF reports.
3. Mortgage & Loan Calculator by Clearlane Studio — best Android loan-program modeler
Mortgage & Loan Calculator by Clearlane Studio is the strongest Android candidate for U.S. borrowers who need loan-program-specific scenarios. The Google Play listing says the app calculates PITI—principal, interest, property taxes, and insurance—and includes HOA and PMI inputs.
The listing also claims support for conventional, FHA, VA, and USDA loans; 5/1, 7/1, and 10/1 ARM structures; refinance break-even analysis; discount-point analysis; affordability calculations using DTI ranges; and state-specific tax and insurance defaults for all 50 states plus Washington, D.C. The developer also says that no account is required.
Those are valuable capabilities, but the wording matters: the app listing makes the claims. State defaults, insurance rules, current-rate anchoring, and ARM assumptions should be compared with lender disclosures and official program guidance. A generic calculator cannot guarantee that its FHA, VA, USDA, or ARM treatment matches a particular loan offer.
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Limitations: Clearlane is relatively new compared with some alternatives, and the captured research did not establish a comparable long-term review history or complete pricing picture.
Best for: Android users comparing U.S. conventional, FHA, VA, USDA, ARM, points, and refinance scenarios without creating an account.
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4. U.S. Mortgage Calculator by eCode — best established free Android option
U.S. Mortgage Calculator by eCode is a practical Android choice for borrowers who want PITI and payoff scenarios without paying for the download. According to the Google Play listing, the app includes property taxes, PMI, homeowners insurance, HOA fees, monthly and biweekly payments, extra payments, detailed amortization, one-time expenses, and down-payment inputs.
The listing says users can save up to 10 calculations and share charts or results through email, SMS, or other apps. Google Play showed approximately 100K+ downloads and roughly 4.6–4.7 stars from more than 1,000 reviews, depending on the store-page snapshot observed on August 16, 2026.
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Best for: Android users who want a free PITI calculator with amortization and extra-payment planning, and who can tolerate advertising.
5. Mortgage Calculator: Loan Mate — best for detailed payoff planning and offline claims
Mortgage Calculator: Loan Mate is aimed at borrowers who want to explore how extra payments, lump-sum prepayments, expenses, and changing rates affect payoff. The Google Play listing says users can enter any four of property value, principal, interest rate, term, or monthly payment and have the fifth value calculated.
The listing also claims a full amortization schedule, HOA, insurance, property tax, and personal monthly-expense inputs, plus fixed-payment caps and step-up interest-rate scenarios. The developer says the app works offline, requires no signup, uses no servers, and has no tracking. Those privacy and offline statements are developer claims; review the current Google Play Data safety section and privacy policy before relying on them. The listing showed an update date of June 11, 2026.
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Best for: Android borrowers prioritizing payoff experiments and an offline-oriented workflow over a large review base.
6. Mortgage Calculator by Financept — best for a simple Android amortization table
Mortgage Calculator by Financept focuses on straightforward loan calculations, payment breakdowns, amortization, and exports. The Google Play listing includes monthly and yearly payment breakdowns, PMI, taxes, insurance, fees, and one-time, monthly, quarterly, yearly, and biweekly extra payments.
Users can save, print, email, or export amortization information as a PDF. Google Play showed approximately 100K+ downloads and about 4.6 stars from roughly 4,000 ratings. The listing showed an update date of December 29, 2025, as checked on August 16, 2026.
Limitations: Financept contains ads and also covers other loan types, so its mortgage workflow may feel broader rather than specialized. Anecdotal listing reviews mention restarting data entry and requests for easier term comparisons; those comments are not systematic testing. Verify which advanced features require an in-app purchase.
Best for: Android users who mainly need an amortization schedule, optional extra payments, and PDF or email export.
7. Bricks Calc — best newer Apple-native comparison tool
Bricks Calc is a newer Apple-platform option for users who want saved plans, charts, and comparisons across Apple devices. The official App Store listing claims support for taxes, insurance, PMI, rental income, expenses, recurring and one-time prepayments, refinance comparisons, amortization, saved calculations, and iCloud sync.
Bricks Calc is listed for iPhone, iPad, Mac, and Apple Vision Pro. The listing says no account is required, no ads are shown, and the app is free to try with in-app purchases and a one-time payment option advertised. Unlimited saved plans and other advanced features require unlocking according to the listing.
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Limitations: The captured App Store result showed only one rating, so the public review evidence is very limited. “Private by design” and on-device calculation are developer claims. Compatibility claims involving iOS 26 and Apple Intelligence should be checked directly at publication because platform support can change.
Best for: Apple users who want a modern, no-ad-oriented scenario planner and are comfortable evaluating a newer app with a small review history.
8. Mortgage Calculator & Analysis — best for visual loan comparisons
Mortgage Calculator & Analysis is designed for users who prefer sliders, charts, and multiple saved loan scenarios. The App Store listing describes payment, borrowing-capacity, and loan-duration modes; sliders for loan amount, rate, term, and down payment; full amortization; PDF export; early-repayment simulation; comparison dashboards; rate sensitivity; break-even analysis; DTI calculations; and Excel export.
The app is free with in-app purchases, and an ad-free experience is listed as a Pro feature. Advanced tools such as loan comparisons and spreadsheet export could help a buyer or real-estate professional preserve assumptions for later review.
Limitations: The captured result showed only one rating, so popularity and reliability are not established by review volume. The exact Pro price was not visible in the research. Personalized savings suggestions should be treated as app-generated scenarios, not regulated financial advice.
Best for: iPhone and iPad users who want visual comparison tools, sensitivity analysis, DTI, and spreadsheet exports.
9. Loan Calculator & Mortgage — best iOS all-in-one planning option
Loan Calculator & Mortgage combines payment, affordability, extra-payment, and refinance tools in an iPhone and iPad app. The App Store listing includes property tax, homeowners insurance, HOA, and PMI inputs; monthly and yearly amortization schedules; CSV export; monthly and lump-sum extra payments; saved scenarios; and an affordability calculator using income, debts, down payment, rate, and DTI targets.
The refinance comparison feature is intended to show break-even timing and the effect of closing costs. That is useful for organizing a decision, but the result depends entirely on whether the user enters every relevant cost and how the app treats costs paid upfront versus rolled into the new loan.
Limitations: The listing is free with in-app purchases, but the captured result did not show exact purchase prices. Marketing phrases such as “real monthly payment” should not be interpreted as a guarantee that every ownership cost is included. Android availability was not verified.
Best for: Apple users who want affordability, CSV amortization exports, extra-payment planning, and refinance comparisons in one place.
10. Mortgage Calculator by Asaru Labs — best offline-oriented iOS planning suite
Mortgage Calculator by Asaru Labs is a broad iPhone and iPad planning app with taxes, insurance, PMI, loan-term and rate comparisons, detailed amortization, CSV export, charts, interest breakdowns, closing-cost planning, moving-expense planning, affordability, refinance break-even analysis, and extra-payment tools. The features come from the official App Store listing.
The listing claims no ads, no tracking, no account, and offline operation. These claims may appeal to users who do not want to create a mortgage lead or store personal financial information on a server, but store privacy disclosures and the app’s current privacy policy remain the controlling evidence. The captured App Store result showed 4.9 stars from 24 ratings on August 16, 2026.
Limitations: Twenty-four ratings are a small sample, and the listing’s “professional-grade accuracy” language is marketing rather than independent validation. The app is Apple-only based on the verified listing, and no Android version was confirmed.
Best for: Apple users looking for an offline-oriented planning suite with refinance, affordability, extra-payment, and export tools.
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What should a mortgage calculator app include?
A useful mortgage calculator app should show more than a monthly principal-and-interest result. At minimum, the app should accept the home price or loan amount, down payment, interest rate, and term, then show principal and interest, total interest, and an amortization schedule or remaining balance.
For a realistic U.S. housing estimate, look for property taxes, homeowners insurance, conventional PMI, FHA mortgage insurance, VA funding-fee treatment, USDA guarantee-fee treatment, HOA dues, closing costs, discount points, and extra payments. Refinance tools should expose closing costs and break-even timing. Affordability tools should show their income, debt, housing-cost, and DTI assumptions rather than presenting a maximum as an approval.
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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware match| Result label | What it includes | What it does not necessarily include |
|---|---|---|
| P&I | Principal and interest | Taxes, insurance, PMI or MIP, HOA dues, and other ownership costs |
| PITI | Principal, interest, property taxes, and homeowners insurance | PMI or MIP, HOA dues, flood insurance, special assessments, maintenance, and utilities unless separately added |
| Full housing payment | PITI plus recurring mortgage-related and housing costs entered by the user | Costs the app does not expose or costs the user forgets to enter |
Do not use “monthly mortgage payment” without checking which of these definitions the app uses.
How do you use a mortgage calculator app correctly?
- Enter the purchase price or current loan balance. For a purchase, start with the contract price or a realistic target price. For a refinance, start with the current payoff balance rather than the original loan amount.
- Enter the down payment or remaining principal. Include a financed mortgage-insurance premium or rolled-in closing costs only if the app and your loan scenario require them.
- Replace the default rate. Use the rate and loan terms you are actually quoted. A displayed market rate is a benchmark, not a personalized offer.
- Select the correct term and structure. Compare 15-year and 30-year fixed loans separately. For an ARM, enter the initial rate, adjustment interval, caps, index, and margin when the app supports those inputs.
- Add annual property taxes and homeowners insurance. Confirm whether the app expects annual or monthly values; entering an annual amount into a monthly field can multiply the result incorrectly.
- Add mortgage insurance and fees. Use PMI for the applicable conventional scenario and do not assume that a conventional PMI field correctly models FHA MIP, a VA funding fee, or USDA guarantee fees.
- Add HOA dues and other recurring costs. Consider flood insurance, special assessments, utilities, and maintenance separately when estimating the complete cost of owning the home.
- Review the amortization schedule. Check the first payment, total interest, principal balance over time, and the effect of extra payments.
- Test payment timing. “Biweekly” may mean 26 half-payments per year, a monthly payment split into two, or a lender-specific accelerated-payment plan. Confirm the app’s interpretation.
- Compare refinance costs carefully. Include points, origination, appraisal, title, prepaid items, escrow funding, and whether costs are paid upfront or added to the new balance.
- Compare the output with the lender’s Loan Estimate. A calculator helps compare scenarios; it does not establish eligibility, approval, a guaranteed rate, APR, final fees, or escrow requirements.
How should you compare a 15-year and 30-year mortgage?
Use the same home price, down payment, interest-rate assumption, taxes, insurance, mortgage-insurance treatment, and fees in both scenarios. Then compare the required monthly payment, total interest, amortization balance, and cash-flow flexibility rather than choosing solely from the lowest monthly number.
| Comparison | 15-year loan | 30-year loan |
|---|---|---|
| Required payment | Usually higher because principal is repaid faster | Usually lower because repayment is spread over more years |
| Total interest | Usually lower when the rate and balance are otherwise comparable | Usually higher because interest accrues for longer |
| Equity buildup | Typically faster | Typically slower at the beginning |
| Cash-flow flexibility | Less room for other goals because the required payment is higher | More room for reserves or other goals, although voluntary extra payments can change the result |
| What to test in an app | Payment, total interest, and balance over time | Payment, total interest, and balance over time, including optional extra payments |
The comparison is only as good as the rate, insurance, tax, and fee assumptions. A lower payment does not automatically make a 30-year loan cheaper, and a lower total-interest result does not automatically make a 15-year payment affordable.
What is the difference between a calculator and a lender quote?
A mortgage calculator produces an estimate from user-entered assumptions. A lender’s Loan Estimate is an official disclosure that follows a mortgage application and contains the lender’s quoted rate, fees, projected payments, escrow information, and cash-to-close details.
The Consumer Financial Protection Bureau’s Loan Estimate guidance explains how borrowers should use the disclosure to understand and compare an offer. The CFPB also advises comparing offers with the same loan features and reviewing the rate, fees, escrow, cash to close, and rate-lock details. Use a calculator before applying, then use standardized Loan Estimates to compare actual lenders.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How should you evaluate mortgage calculator accuracy?
Do not call an app “most accurate” solely because its store listing uses that phrase. A proper editorial or personal check should enter the same fixed-rate loan into each finalist, compare the first payment, total interest, and amortization balance against a trusted reference calculation, and inspect how the app rounds each result.
Test edge cases such as zero down payment, a large down payment, short terms, extra monthly payments, lump-sum prepayments, and different payment frequencies. Confirm whether taxes and insurance are annual or monthly inputs, whether PMI ends automatically or remains fixed, and whether biweekly payments represent 26 half-payments each year.
For refinance comparisons, check whether the break-even calculation includes points, origination, appraisal, title, prepaid taxes and insurance, escrow funding, upfront payment of costs, and costs rolled into the new balance. A displayed break-even month is a calculation, not a recommendation to refinance.
What should you know about FHA, VA, USDA, and ARM calculations?
Conventional, FHA, VA, and USDA loans do not use identical insurance and fee rules. PMI is generally associated with conventional loans; FHA uses mortgage insurance with different upfront and annual rules; VA loans can include a funding fee that depends on borrower and transaction circumstances; and USDA loans use separate guarantee fees. A general calculator can produce a plausible-looking but incomplete result if the loan type is treated as conventional.
Clearlane’s listing claims conventional, FHA, VA, and USDA support, but that feature description should be treated as a developer claim and compared with current official guidance. Start with the U.S. Department of Housing and Urban Development for FHA information, the Department of Veterans Affairs home-loan guidance for VA loans, and the USDA Single Family Housing Guaranteed Loan Program for USDA loans.
ARM modeling deserves additional caution. A 5/1 ARM label alone does not disclose the initial rate, adjustment interval, index, margin, periodic caps, lifetime cap, or future payment. Use an ARM calculator only when those assumptions are visible, and compare the result with the lender’s note and disclosures.
What does refinance break-even mean?
Basic refinance break-even months equal total refinance costs divided by monthly payment savings. For example, an app may divide $6,000 of eligible costs by $200 of monthly savings to produce 30 months, but the result is meaningful only if the $6,000 includes the costs that matter and the borrower expects to keep the loan long enough.
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Check whether the app includes points, origination, appraisal, title fees, prepaid taxes and insurance, escrow funding, upfront versus financed costs, and the opportunity cost of using cash. Compare the break-even date with the expected time in the property and with the new loan’s total interest. A lower monthly payment can still cost more overall if the new term resets or extends repayment.
What are the privacy and advertising trade-offs?
Mortgage apps may receive sensitive inputs such as home price, income, debts, current balance, and sometimes contact information. A free app with advertising is not automatically unsafe, but readers should check whether the listing mentions analytics, internet access, data sharing, an account requirement, or a lead form.
Use qualified language for privacy claims. Loan Mate, Bricks Calc, and Asaru Labs make offline, no-tracking, no-server, no-account, or no-ad claims in their store listings, depending on the app. Those statements are developer or store disclosures, not absolute guarantees. Google Play Data safety information is also developer-provided and can vary by version, region, and feature.
Why should you not rank apps by ratings alone?
Ratings show user sentiment, not mathematical correctness. Ratings can be influenced by sample size, review incentives, app-version changes, and whether users expected a quick calculator or a full planning suite.
For context, Mortgage Pal’s U.S. App Store listing showed approximately 4.8 stars from 4.7K ratings, while Asaru Labs showed 4.9 stars from 24 ratings and Bricks Calc showed only one rating in the captured result. Those samples are not equivalent evidence. Always consider rating count, update date, platform compatibility, ads, privacy disclosures, and the features that matter to your scenario.
What about the Bankrate Mortgage Calculator app?
A store listing titled Bankrate Mortgage Calculator should not be treated as an official Bankrate product based on the supplied evidence. The App Store listing identifies an independent developer and says Apple has not verified the information. The app was therefore excluded from the 10-app shortlist rather than attributed to Bankrate without confirmation from Bankrate’s own channels.
How should mortgage rates affect your app choice?
Current mortgage rates should not permanently determine the ranking because rates change frequently and a calculator remains useful when its default rate becomes stale. Replace an app’s default rate with the rate and terms you are actually quoted.
If an app advertises current rates or PMMS anchoring, identify the observation date, geography, and source. Freddie Mac’s Primary Mortgage Market Survey is a benchmark source, not a personalized mortgage offer. A benchmark rate should never be presented as the rate a particular borrower is guaranteed to receive.
Frequently Asked Questions
Which mortgage calculator app is best for Android?
Mortgage & Loan Calculator by Clearlane Studio is the strongest Android choice in this research for U.S. loan-program modeling because its listing claims PITI, conventional, FHA, VA, USDA, ARM, DTI, discount-point, and refinance calculations. U.S. Mortgage Calculator by eCode is a better fit for a mature free option with ads.
Which mortgage calculator app is best for iPhone?
Mortgage Pal is the best all-around iPhone and iPad choice for broad purchase, affordability, refinance, HELOC, closing-cost, and rent-versus-buy planning. Mortgage Calculator + is better for users who prioritize saved comparisons, iCloud synchronization, and PDF exports.
Do mortgage calculator apps include taxes and insurance?
Some mortgage calculator apps include property taxes and homeowners insurance, while others show only principal and interest. Check whether the app also supports PMI or MIP, HOA dues, closing costs, and other recurring charges before treating the result as a full monthly housing payment.
Can a mortgage calculator app tell me whether I qualify for a loan?
No. A mortgage calculator app estimates payments or affordability from user-entered assumptions and cannot establish eligibility, underwriting approval, a guaranteed rate, final lender fees, or escrow requirements. Use the app for planning and compare official lender Loan Estimates after applying.
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Mortgage calculator apps can provide useful estimates, but store listings alone do not prove mathematical accuracy. Compare the same fixed-rate inputs across apps, inspect the amortization schedule, check annual-versus-monthly inputs, test extra-payment and biweekly behavior, and compare final assumptions with lender disclosures.
The Bottom Line
Bottom line: Choose Mortgage Pal for the broadest iPhone and iPad planning toolkit, Mortgage Calculator + for saved Apple scenarios and reports, Clearlane for Android U.S. loan-program modeling, eCode for a mature free Android option, and Loan Mate for Android payoff planning with developer-claimed offline and privacy features. Whichever app you choose, enter your quoted rate, taxes, insurance, mortgage-insurance costs, HOA dues, and closing costs, then verify the result against the lender’s official Loan Estimate.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
