MortgageClear
Payoff Planner & Calculator
$7.99 · Designed for iPad. Not verified for macOS.
More than a mortgage calculator. Know exactly when you'll be debt-free and how to get there sooner. Track loans, plan payoff, and model refinancing in one app.
MortgageClear isn't a calculator that just tells you your monthly payment. It tells you what to do next.
PLAN YOUR PAYOFF, YOUR WAY
The Payoff Planner is the heart of the app — a two-way calculator that works however you think:
- Tell us when you want to be mortgage-free, and we'll show you exactly how much extra to pay each month.
- Tell us how much extra you can pay, and we'll show you your new payoff date and how much interest you'll save.
REAL MATH, NOT ROUGH GUESSES
Every schedule is calculated month by month — not approximated — so extra payments, one-time lump sums, and PMI removal timing are all reflected accurately in your amortization table, not just in a single summary number.
TRACK EVERY LOAN IN ONE PLACE
Mortgages, rental properties, auto loans, boat loans — track them all with a clean dashboard showing your total monthly obligations, combined debt, weighted average interest rate, and total equity built.
KNOW WHEN PMI DISAPPEARS
MortgageClear estimates PMI/MIP removal timing based on your loan program — Conventional, FHA, VA, or USDA each follow different rules, and the app knows the difference.
SHOULD YOU REFINANCE?
Compare your current loan against a new rate offer and see your break-even point in months, monthly savings, and lifetime interest difference — before you talk to a lender.
REAL PROPERTY TAX DATA
Select your state and get a property tax estimate based on published Tax Foundation effective rate data — not a guess. (Home insurance estimates are clearly labeled as industry estimates, not official figures, so you always know how much to trust each number.)
YOUR DATA STAYS YOURS
No account required. No ads. No tracking. No subscription. Everything is stored locally on your device — MortgageClear doesn't have a server, so there's nothing to hack, sell, or lose.
Built for homeowners who want a clear, honest picture of their mortgage — and a plan to pay it off faster.
Privacy Policy：https://shayne-max.github.io/MortgageClear/privacy.html
Terms Of Use：https://shayne-max.github.io/MortgageClear/terms.html
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, 开新 杨, 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
- 开新 杨
- Size
- 1.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 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 Shayne Yang
