Mortgage Scenario Analyzer

Model payments, extra payments, and recasts. Compare scenarios to see exactly how much interest and time you could save. Private and on-device — no sign-up.

See how extra payments, lump sums, and recasts change your payoff date and total interest.

Mortgage Analyzer is a fast, private "what-if" calculator for your home loan. Start from where your mortgage is today — current balance, rate, and years remaining — and instantly see how different strategies play out.

WHAT YOU CAN MODEL • Extra monthly payments — see how much interest you save and how many years you shave off. • One-time lump sums — apply a windfall at any point in the loan. • Recasts — re-amortize after a lump sum to lower your monthly payment while keeping your payoff date. • Custom payment — pin your actual statement payment instead of the standard amount.

WHAT YOU SEE • Payoff date and total interest for your baseline loan. • A side-by-side comparison with your what-if scenario. • Interest saved and time saved, at a glance.

PRIVATE BY DESIGN Everything runs on your device. No accounts, no tracking, no data collected. Your numbers never leave your iPhone.

Mortgage Analyzer is an estimation tool to help you explore scenarios. It is not financial advice. Actual loan terms, fees, taxes, and insurance may differ — confirm details with your lender.