Mortgage Pal - #1 Mortgage Calculator on iOS

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

HELOC Calculator

Calculate your Home Equity Line of Credit payments and see how much you can borrow against your home's equity.

Interest-only payments during draw period
P&I repayment period calculations
Combined LTV and available credit analysis
Total cost breakdown: principal, draw interest, and repayment interest

Rent vs Buy Calculator

Compare the true cost of renting versus buying over time to make the smartest financial decision.

Side-by-side monthly cost comparison
Net wealth analysis over 10+ years
Break-even point calculation
Factors in rent increases, home appreciation, and equity buildup

Closing Costs Calculator

Estimate your total closing costs and know exactly how much cash you'll need at the closing table.

State-specific fees including doc stamps, intangible tax, and recording fees
Lender fees: origination, appraisal, credit report, and discount points
Title & escrow cost estimates
Prepaid items: property tax, insurance, and per diem interest

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

See It In Action

Take a tour of Mortgage Pal's intuitive interface

Payment Calculator

Calculate monthly payments with multiple frequencies

Amortization Schedule

View detailed payment breakdowns over time

Home Equity Line of Crredit Calculator

Determine how much you can borrow against your home

Rate Trends

Track current mortgage rates and trends

Charts & Graphs

Visualize your mortgage data clearly

Payments Analysis

Analyze extra payment scenarios

#1 Mortgage Calculator on iOS