Mortgage Math
Payments, DTI & Real Lenders
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Free mortgage math — payments, affordability, refinance, and property analysis. Optional $4.99 Lender Check unlock.
Mortgage Math is a no-nonsense mortgage toolkit that shows you the numbers lenders actually look at — free to use, with no accounts, no ads, and nothing leaving your phone.
MONTHLY PAYMENT CALCULATOR
• Principal & interest, property tax, insurance, and PMI in one clear breakdown
• Interactive chart and full amortization schedule
• Save and compare scenarios side by side
HOW MUCH CAN YOU AFFORD?
• Uses the same ratios underwriters use: housing ratio and total debt-to-income
• Conventional, FHA, VA, and USDA guideline limits with clear PASS / STRETCH verdicts
• Loan-to-value, mortgage insurance, estimated cash to close, and reserves
• Credit-score band guidance and conforming loan limit checks
LISTING ANALYZER
• Paste a listing link or just type an address
• The app finds the property's details from open public sources and verifies the address with the US Census geocoder
• Real state-level tax and insurance figures from public data
• When a listing can't be retrieved, you enter the price yourself — the app never invents numbers
REFINANCE ANALYSIS
• Monthly savings, break-even month, and lifetime interest comparison
FIND LICENSED LENDERS
• Browse banks, mortgage lenders, brokers, and credit unions by state or ZIP
• Filter results by institution type
• Complete Directory mode lists every institution that reported mortgage activity in your state, from CFPB public records
• License lookup links for every entry
MORTGAGE MATH PRO (OPTIONAL ONE-TIME UNLOCK)
Everything above is free. A single $4.99 purchase — no subscription — unlocks the full Lender Check report: every underwriting ratio with PASS / STRETCH verdicts, the complete PITI breakdown, estimated cash to close, and reserves.
If the app saves you time, there is also an optional tip jar in Settings. Tips are voluntary and unlock nothing.
PRIVATE BY DESIGN
Everything you enter stays on your device. No sign-up, no tracking, no data collection — see our one-page privacy policy.
Mortgage Math provides educational estimates based on published guidelines and public data. It is not a lender and does not issue loan offers or approvals.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Philip Andoh, 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
- Philip Andoh
- Size
- 63.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 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+
- In-App Purchases
Yes
- $99.99 Donation to Developer $99.99
- $74.99 Donation to Developer $74.99
- $49.99 Donation to Developer $49.99
- $14.99 Donation to Developer $14.99
- $19.99 Donation to Developer $19.99
- $4.99 Donation to Developer $4.99
- $9.99 Donation to Developer $9.99
- $29.99 Donation to Developer $29.99
- Mortgage Math Pro $4.99
- Copyright
- © 2026 Philip Andoh
