• Clearer input labels in the Second Home & Investment tool • Small fixes and improvements

NEW: Builder Loans Planning to build instead of buy? The new Builder Loans tool helps you understand and estimate a construction loan from start to finish. • Estimate your total project cost — land, construction, and a contingency reserve • See interest-only payments during the build and your permanent mortgage payment after • Compare Single-Close (construction-to-permanent) vs. Two-Close structures • Check your down payment against typical builder-loan requirements • Learn how the process works, step by step — from pre-approval and draw schedules to converting to your permanent mortgage Plus the usual under-the-hood improvements and refinements.

What's New in 2.3 Thinking about a second home or your first rental property? The new Second Home / Investment calculator (PRO) shows the maximum you can afford while still carrying your current mortgage. • Toggle between a second home and an investment property — each uses the right rate and down-payment rules lenders actually apply • Counts your current mortgage payment as committed debt for a realistic, combined debt-to-income picture • Investment mode factors in rental income and estimates your monthly cash flow • Instantly see your max price, loan amount, and monthly payment Thanks for using Mortgage Calculator! We're always working to help you make smarter home-buying decisions.

What's New in Version 2.2 Buying a home just got clearer. This update adds three free tools to help you go from "just curious" to "ready to buy." Buying Readiness Score See how mortgage-ready you are at a glance. Get a 0–100 score based on your down payment, debt-to-income ratio, cash reserves, and credit range — plus a personalized tip on what to improve next. Down Payment Goal Tracker Set a savings goal and watch your progress. Track how much you've saved, see your projected finish date, and find out exactly how much more per month gets you there faster. First-Time Homebuyer Guide New to all this? Tap "Learn" for a plain-English glossary of 25+ mortgage terms (PITI, PMI, DTI, escrow, and more) and a step-by-step guide to buying a home. Every term shows a live example using your own numbers, and a "?" next to key fields explains them right where you need it.

What's New: - Fixed an issue where the keyboard would not dismiss when entering utility costs in Advanced Monthly Costs - Fixed the Compare tab showing incorrect monthly totals when Advanced Monthly Costs were included - Pro Tools (Refinance, Rent vs. Buy, Affordability, Closing Cost, ARM vs. Fixed) now pre-fill with your current Calculator values

What's New - Fixed the PRO badge in the calculator not opening the upgrade screen when tapped - Fixed missing price on the PRO upgrade screen in the Tools tab - Improved purchase reliability — pricing now reloads automatically if it wasn't available at launch - Bug fixes and performance improvements

What's New in Version 2.0 - New: Advanced Cost Estimator (HOA, utilities, internet auto-filled by state) - Improved: Home Price, Down Payment, and Interest Rate now support direct text input PRO Tools — Unlock with one-time purchase: - Refinance Calculator — Enter your current loan balance, rate, and remaining term alongside a new rate and term. Instantly see your monthly savings, break-even month, and a cumulative savings chart. - Rent vs. Buy — Compare the true cost of renting vs. buying over a 5–30 year horizon. Accounts for home appreciation, equity buildup, and the opportunity cost of your down payment. Visual crossover chart shows exactly when buying pays off. Compare Tab: - New visual bar chart shows monthly payment, total interest, and total cost side-by-side for up to 3 scenarios at a glance. PDF Export: - Share any saved scenario as a formatted PDF summary — email it, save it, or send it to your lender. Onboarding: - New first-launch walkthrough introduces all 5 tabs so you get the most out of the app from day one.