#1 Mortgage Calculator on iOS

Make smarter mortgage decisions and save thousands on interest fees with our easy-to-use, detailed, accurate and free calculator.

Trusted by thousands of realtors, mortgage brokers, financial planners, and homeowners.

Download on the App Store
4.8/5.0 • 3,300+ reviews • Completely free
Mortgage Pal App

Powerful Features

Everything you need to make informed mortgage decisions

Mortgage Payment Calculator

Calculate your mortgage payments with multiple payment frequency options: monthly, weekly, bi-weekly, quarterly, and yearly.

  • Account for PMI, property taxes, and HOA/Condo fees
  • Detailed payment schedules with interest vs. principal breakdown
  • Extra payment analysis to visualize interest savings
  • Track monthly interest during payoff period

Affordability Calculator

Determine your maximum home purchase price and mortgage affordability using industry-standard practices.

  • Calculate borrowing capacity based on your income
  • Industry-standard debt-to-income ratios
  • Incorporates income, expenses, and existing debts
  • Know exactly how much home you can afford

Refinance Calculator

Evaluate if refinancing makes sense for your situation and see potential savings.

  • Compare current vs. new mortgage terms
  • Calculate break-even point
  • See total interest savings over loan life
  • Factor in closing costs and fees

Rate Trends & Visualization

Stay informed with current mortgage rates and visualize your mortgage data.

  • Current mortgage rate display
  • Fixed-rate vs. adjustable-rate comparisons
  • Historical trend visualization through graphs and charts
  • Principal and interest breakdown over time

Export & Share

Easily save and share your mortgage calculations.

  • Export calculations to email
  • Save multiple scenarios for comparison
  • Share with financial advisors or family
  • Professional-looking reports

Privacy & Convenience

Your financial data stays private and secure.

  • Works completely offline - no internet required
  • No account creation needed
  • All calculations performed locally on your device
  • Supports multiple loan types: home, car, personal loans

See It In Action

Take a tour of Mortgage Pal's intuitive interface

Payment Calculator
Payment Calculator

Calculate monthly payments with multiple frequencies

Amortization Schedule
Amortization Schedule

View detailed payment breakdowns over time

Affordability Calculator
Affordability Calculator

Determine your maximum home purchase price

Rate Trends
Rate Trends

Track current mortgage rates and trends

Charts & Graphs
Charts & Graphs

Visualize your mortgage data clearly

Payments Analysis
Payments Analysis

Analyze extra payment scenarios

Download Mortgage Pal Today

Join thousands of users making smarter mortgage decisions

Download on the App Store
4.8/5.0

3,300+ reviews • Completely Free • No Ads