Mortgage Calculator: Loan Mate

Plan any mortgage with full amortization. Save scenarios, layer extra payments, and see exactly how many years and dollars you save.

Mortgage Calculator + Schedule — the clearest way to plan, compare, and pay off a mortgage faster.

Whether you're buying your first home, refinancing, or shaving years off an existing loan, Mortgage gives you a precise amortization schedule in seconds — with no signup, no internet connection, and no spreadsheet wrangling.

Built for real numbers, real decisions

Mortgage does the maths so you don't have to. Type any four of property value, principal, interest %, term, or monthly payment, and the fifth is calculated for you. Add HOA, insurance, property tax, and your own monthly expenses for a true total cost. Layer in extra payments, lump-sum prepayments, fixed payment caps, or step-up interest rates — every change updates the schedule instantly.

What you get

• 5-variable solver — Property value, down payment, principal, interest rate, term, and monthly payment all stay in sync. Change one, the rest follow.
• Full amortization schedule — Every monthly payment for the life of the loan, with interest, principal, balance, and LTV in one scrollable table.
• Annual, period & payment views — Roll up by year, drill into a single year, or scrub through the entire payment timeline.
• Variable & adjustable rates — Model rate changes month-by-month for ARMs, teaser-rate periods, or interest-only windows.
• Extra payments & prepayments — Add a one-time lump sum or recurring extra each month and watch your payoff date jump forward.
• Beautiful charts — Interest vs. principal stacked over the term, balance curve, rate timeline, and a total-payments pie.
• Expenses included — Monthly HOA, secondary monthly expense, annual insurance, and annual property tax all roll into the true cost.
• Unlimited saved scenarios — Compare a 15-year vs. 30-year, your current loan vs. a refi, with or without points — keep them side-by-side on your device.
• Privacy first — Everything lives on your phone. No accounts, no servers, no tracking. Your numbers stay yours.

Perfect for

• First-time home buyers running the numbers before an offer
• Homeowners deciding whether to refinance or recast
• Anyone planning an early-payoff or biweekly-payment strategy
• Real-estate agents and lenders explaining options to clients
• Anyone who wants the math without the marketing

Mortgage Premium

Download Mortgage and finally see what your payment schedule actually looks like.