Mortgage Clarity

Mortgage Clarity helps you calculate payments, compare loan scenarios, and explore live mortgage rates with a fast, beautifully designed calculator.

Mortgage Clarity is a modern mortgage calculator designed for speed, accuracy, and simplicity.

Quickly calculate your monthly payment based on: • Home price • Down payment • Interest rate • Loan term • Property taxes • Homeowners insurance • PMI (Private Mortgage Insurance) • HOA dues

Results update instantly in a clean, card-based interface built entirely with SwiftUI.

Complete Loan Analysis

Go beyond a monthly payment with a full amortization schedule that accurately calculates: • Monthly principal and interest • Remaining loan balance • Total interest paid • Total amount paid • Loan payoff date • Extra monthly payment scenarios

Every calculation is generated from the complete amortization schedule, providing accurate results even when making additional principal payments.

Live Mortgage Rates

View current U.S. mortgage rates directly from the St. Louis Fed (FRED), including: • 30-Year Fixed • 15-Year Fixed • 5/1 ARM • Current and previous week comparisons

Rates are retrieved securely using the official FRED API, ensuring reliable and up-to-date information.

Built for Modern iOS • Beautiful SwiftUI interface • Full Dark Mode support • Dynamic Type support for larger text sizes • VoiceOver accessibility • Fast, responsive performance • Optimized for the latest versions of iOS

Whether you’re buying your first home, refinancing, paying off your mortgage early, or comparing loan scenarios, Mortgage Clarity helps you make informed financial decisions with confidence.

Simple. Accurate. Clear.