HypoNavi: Mortgage Calculator

Calculate your mortgage in seconds, compare scenarios side-by-side, find where to save. Fully offline, no ads, accurate amortization for any market.

HypoNavi is a mortgage calculator and payment planner for anyone shopping for, refinancing, or paying off a home loan. Calculate your monthly payment, total interest, payoff date, and break-even refinance point - instantly, fully offline, no signup.

WHY HYPONAVI

• Works offline - no internet, no data leaves your device
• No ads, no tracking, no in-app purchases
• Industry-standard amortization (annuity formula, any frequency)
• 18 currencies (USD, EUR, GBP, CHF, JPY, CZK, and more)
• Light and dark themes, colorblind-friendly chart palette
• 17 languages

FEATURES

MORTGAGE CALCULATOR Enter loan amount, interest rate, and term - instantly see monthly payment, total interest, and payoff date.

AMORTIZATION SCHEDULE Detailed breakdown of every payment: how much goes to interest, how much to principal, and remaining balance. Monthly, biweekly, or weekly frequency.

SCENARIOS & SIDE-BY-SIDE COMPARISON Save multiple scenarios and compare up to 5 at once. Pin your top 3 and apply with a single tap.

READY-MADE TEMPLATES (12+) Pre-built scenarios for the questions everyone asks:

• "What if I pay an extra $100 / $250 / $500 a month?"
• "What if I make a lump-sum payment after one or two years?"
• "What if rates rise by 1% or 2% after fixation?" (stress test)
• "What if I refinance at -0.75% after 3 years?" (with fees)
• "What if I shorten / extend the term by 5 years?"
• "What if I switch to biweekly payments?"

AUTOMATED INSIGHTS The app suggests where you can save - how much a rate hike would cost you, and how many years extra payments would shave off the loan.

CHARTS Balance over time, interest vs principal, cumulative interest - everything visualized.

EXPORT & SHARE PDF report, CSV (full amortization table), plain text, JSON backup to move data between devices.

WHO IT'S FOR

• First-time buyers - how much per month, for how long?
• Existing borrowers considering refinance or extra payments
• Anyone wanting to stress-test a rate hike after fixation ends
• Financial advisors modeling scenarios with clients
• Anyone tired of filling out bank calculator forms

FAQ

Does the app work offline? Yes. No internet required. Everything is computed locally.

Does it collect my data? No. No account, no telemetry, no tracking. Data stays on your device.

Are there in-app purchases? No. The app contains no ads and no in-app purchases.

Does it support refinancing? Yes, including one-time fees and optional new term length.

Can I export the amortization schedule? Yes - as a PDF report, CSV table, or plain text.

How accurate are the calculations? The app uses the standard annuity formula with configurable payment frequency. Results are for planning purposes and are not financial advice.

Download HypoNavi and see what your mortgage really costs.