MortgageLab

"MortgageLab" is your complete mortgage intelligence toolkit — built for home buyers, investors, and anyone who wants to truly understand their mortgage before signing.

🏠 MORTGAGE CALCULATOR
Calculate your monthly payment, total interest, and full amortization schedule. Switch between monthly and bi-monthly payments to see how much you can save.

📊 DTI ANALYZER
Know your Debt-to-Income ratio before your bank does. See both front-end and back-end DTI with color-coded health indicators — Healthy, Caution, or At Risk.

🔄 SCENARIO COMPARISON
Build up to 3 mortgage scenarios side by side. Compare Dream Home vs Starter Home vs Investment Property — payments, total interest, break-even points, and more.

💡 AFFORDABILITY CALCULATOR
Enter your income and debts to instantly see how much home you can afford. Backed by standard lending guidelines.

📈 AMORTIZATION SCHEDULE
See exactly how every payment splits between principal and interest over the life of your loan. Visualize your equity growth month by month.

🔍 REFINANCE ANALYZER
Thinking of refinancing? Calculate your break-even point and total savings to decide if it's worth it.

🧠 INSIGHTS ENGINE
Deep-dive analytics including rate sensitivity, PMI impact, and FIRE (Financial Independence) analysis.

🔒 100% OFFLINE — ZERO DATA COLLECTED
"MortgageLab" never connects to the internet. Everything you enter stays on your device. No accounts. No tracking. No ads. Your financial information is completely private.

⚠️ All figures are estimates only. Always consult a licensed financial adviser or lender before making mortgage decisions.