SmartComps is a home buying calculator that helps users understand the full cost of purchasing a home before making a decision.
The app includes tools for calculating mortgage payments, checking affordability, comparing rent vs buy options, estimating closing costs, and reviewing monthly bills and expenses. It provides a clear breakdown of costs so users can better understand what they can afford.
Free features include basic home buying calculators and cost estimation tools.
Premium features, including advanced affordability analysis, detailed financial planning tools, and additional comparison features, require an active subscription.
SmartComps is designed for anyone looking to buy a home, from first-time buyers to those planning their next purchase. Users can enter basic numbers and quickly view results that help them plan and compare different options.
The app focuses on simple inputs and clear results to make it easier to understand the financial side of buying a home.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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What’s New in This Version
Watch App Included!
Mortgage Calculator Major Upgrade
The Mortgage Calculator has been completely enhanced with new tools that give you the full financial picture before you make an offer.
Down Payment Amount ($) slider is now linked directly to the Down Payment (%) slider. Moving either one updates both instantly. Example: at 20 percent on a 396000 dollar home the calculator shows 79200 dollars as the down payment. No more manual math needed.
Extra Monthly Payment lets users enter additional principal payments and instantly see interest savings over the life of the loan and how many years are removed from the payoff timeline. Savings and time reduction are clearly highlighted.
Loan Summary Card now shows total interest paid over the life of the loan, total cost of the loan including principal and interest, payoff date month and year, loan to value ratio, and PMI removal timing once 20 percent equity is reached.
Smarter down payment display shows a live sentence below the sliders such as a 20 percent down payment on a 396000 dollar home is 79200 dollars and updates instantly with every change.
Everything SmartComps Offers
Search and Comparables lets users search any property address and instantly view comp data, AI analysis, estimated value, and a ranked list of similar sold properties. Users can export a full PDF report and share it through email AirDrop or Messages.
Financial Tools include mortgage calculator with taxes insurance PMI payoff date LTV and extra payment savings, affordability calculator for max price based on income and debts, rent versus buy breakeven analysis, closing cost estimator by state, refinance calculator with savings breakdown, and estimated monthly bills based on square footage and location.
Property Intelligence includes comparison of up to four properties side by side, insurance estimates based on state averages, rental income estimates with gross rent multiplier, and recently viewed property history.
Neighborhood and Risk tools include crime map with severity filtering school ratings via GreatSchools flood and fire risk data commute and lifestyle travel times market heat score based on comp activity registered offender data from Megan Law records nearby properties local census demographics and favorite ZIP code tracking.
Nearby shows points of interest including grocery stores schools pharmacies and hospitals with distance from the property on a satellite map.
Insights provides AI powered market context and recommendations updated after each comp search.
Sale Alerts allow users to receive notifications when homes sell near a tracked property and view alert history inside the app.
SmartComps is provided for informational purposes only. Always consult a licensed real estate professional before making property related decisions.
