Mortgage Calculator: Loan Mate
Plan, amortize & save on loans
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Plan any mortgage with full amortization. Save scenarios, layer extra payments, and see exactly how many years and dollars you save.
**Mortgage Calculator + Schedule — the clearest way to plan, compare, and pay off a mortgage faster.**
Whether you're buying your first home, refinancing, or shaving years off an existing loan, Mortgage gives you a precise amortization schedule in seconds — with no signup, no internet connection, and no spreadsheet wrangling.
**Built for real numbers, real decisions**
Mortgage does the maths so you don't have to. Type any four of property value, principal, interest %, term, or monthly payment, and the fifth is calculated for you. Add HOA, insurance, property tax, and your own monthly expenses for a true total cost. Layer in extra payments, lump-sum prepayments, fixed payment caps, or step-up interest rates — every change updates the schedule instantly.
**What you get**
- **5-variable solver** — Property value, down payment, principal, interest rate, term, and monthly payment all stay in sync. Change one, the rest follow.
- **Full amortization schedule** — Every monthly payment for the life of the loan, with interest, principal, balance, and LTV in one scrollable table.
- **Annual, period & payment views** — Roll up by year, drill into a single year, or scrub through the entire payment timeline.
- **Variable & adjustable rates** — Model rate changes month-by-month for ARMs, teaser-rate periods, or interest-only windows.
- **Extra payments & prepayments** — Add a one-time lump sum or recurring extra each month and watch your payoff date jump forward.
- **Beautiful charts** — Interest vs. principal stacked over the term, balance curve, rate timeline, and a total-payments pie.
- **Expenses included** — Monthly HOA, secondary monthly expense, annual insurance, and annual property tax all roll into the true cost.
- **Unlimited saved scenarios** — Compare a 15-year vs. 30-year, your current loan vs. a refi, with or without points — keep them side-by-side on your device.
- **Privacy first** — Everything lives on your phone. No accounts, no servers, no tracking. Your numbers stay yours.
**Perfect for**
- First-time home buyers running the numbers before an offer
- Homeowners deciding whether to refinance or recast
- Anyone planning an early-payoff or biweekly-payment strategy
- Real-estate agents and lenders explaining options to clients
- Anyone who wants the math without the marketing
**Mortgage Premium**
Download Mortgage and finally see what your payment schedule actually looks like.
Ratings & Reviews
The developer, Apponance, Inc., 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Location
- Identifiers
- Usage Data
- Diagnostics
Data Linked to You
The following data may be collected and linked to your identity:
- Location
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Apponance, Inc.
- Size
- 47.1 MB
- Category
- Business
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 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+
- Contains
Advertising
- In-App Purchases
Yes
- Premium App $4.99
- Copyright
- © Apponance, Inc.