LoanTrail Mortgage Tracker
Payoff & equity at a glance
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Optional Face ID or passcode lock—your mortgage data stays on your iPhone. Eight charts, escrow tools, no bank login.
LoanTrail Mortgage Tracker helps you understand your home loan over time—principal paid, balance vs. schedule, and equity from home value history. You enter your own payments (no bank login). Eight payoff charts for every mortgage; enable PMI tracking to unlock a ninth (PMI paid). Optimized for U.S. fixed-rate mortgages with one note rate at setup. If principal and interest change (ARM reset, buy-down, refinance), log amounts from each statement—balance history and charts stay useful, but rate-period tools and ARM automation are not in this release.
WHAT YOU CAN DO
• Try Demo Mode (optional guided tour) or a Getting started checklist
• Eight payoff charts—pick three for your dashboard; open Details or All charts to browse schedule vs. actual, equity, value vs. debt, LTV, P&I paid, yearly P&I, extra principal, and monthly breakdown; a ninth chart (PMI paid) appears when PMI tracking is on
• Setup: payment-pattern fit, loan start and first payment date (wheel pickers), monthly or biweekly frequency, term presets, optional PMI and escrow, review before save
• Log monthly payments, principal-only extras, and backdated entries from your statement; Next log date on your dashboard—with optional custom reminder day if the suggested date doesn’t match when you usually log
• Export payments (CSV) for the mortgage you’re viewing—spreadsheet-friendly; use Settings backup to move all app data to a new phone
• Payoff outlook with projected date and time saved vs. your original schedule
• Share a payoff win image—hide property name and dates; optional milestone celebrations in Settings
• Payment catch-up for monthly loans at least three months old with no payments logged (stable P&I only)—draft, review by year, apply
• Fill in escrow on past payments; record escrow analyses (shortage/surplus, new monthly escrow, notes) and optionally apply to logged payments
• Explore Payoff: drag sliders or type exact amounts for lump sum and extra each month (or each payment on biweekly loans), or pick a target payoff date; see months saved and estimated interest when a scenario pays off earlier (illustrative, not advice)
• Optional PMI tracking with indicative LTV review callout; annual summary with per-year totals when logged—not a tax form
• Home Screen widget (balance, payoff, or property); full app backup and restore in Settings; multiple properties; in-app payment reminder (no push in v1)—adjust reminder day per home in Settings or from the dashboard
• Optional app lock—require Face ID, Touch ID, Optic ID, or your device passcode before viewing mortgage data (Settings → Privacy & security; off by default). Single unlock button; iOS offers passcode in the system prompt after biometric failure—no separate passcode button in the app
TRUST & LIMITATIONS
• Estimates only—not from your lender; not tax or investment advice
• Optional app lock hides mortgage data behind Face ID, Touch ID, Optic ID, or your device passcode—it does not encrypt the database or protect exported CSV or app-backup files; Home Screen widget content is not gated by app lock
• Payments CSV export is for spreadsheets and your records—not for app restore (use Export app backup in Settings for that)
• Payoff projections assume your setup note rate unless you log different P&I from your statement
• Changing P&I: log manually; charts and history remain useful, but no rate-period tools or catch-up auto-fill
• Manual home value estimates only at launch—not a formal appraisal
• PMI review copy is educational—confirm cancellation with your lender, not automatic removal
FREE VS PAID (HONEST AT LAUNCH)
• Today: full features for early users—multiple homes, unlimited payments, backup, share, widget, and charts
• Later: a free plan at one home and limited payments; one-time upgrade for more (no subscription)—Settings → Upgrade
Start with Try demo, complete Getting started, then add your mortgage in minutes.
Questions? support@loantrail.app
Ratings & Reviews
• Optional app lock—require Face ID, Touch ID, Optic ID, or your device passcode before viewing mortgage balances and payoff charts (Settings → Privacy & security; off by default)
• Lock when leaving app—returning from the background requires authentication when enabled; system Face ID / passcode prompt auto-presents when you return
• Privacy shield in the app switcher when lock is on
The developer, Andrew Snyder, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Andrew Snyder
- Size
- 7.6 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Andrew Snyder