Mortgage Payoff Visualizer

Every payment lays a brick. See where your money really goes, when your term is up, and what a little extra would do - with a home that builds itself as you pay.

Your mortgage, as a home that builds itself.

Paying down a mortgage is years of invisible progress. This turns it into something you can watch: every scheduled payment lays one real piece — a brick, then a roof tile, then part of the garden — until the whole house is yours. A 25-year monthly mortgage is 300 of them.

• Every payment lays a piece — 300 of them over a typical mortgage • See where each payment really goes: how much is interest, how much is your home, and how that flips over the years • Interest paid so far, and interest still to come • A renewal countdown that flags your term 120 days out, when you can start locking a new rate • A slider to see what paying a little extra does to your years and your interest • Lump sums, renewing at a new rate, and an honest "if you sold today" that subtracts agent commission and closing costs — not just your balance • Mortgage wisdom: 21 things worth knowing, from prepayment privileges to how break penalties are really calculated • A living scene — the crew works, your trees grow with your equity, and the sky follows the real time of day

Built for Canadian mortgages (semi-annual compounding), with amortization, payment frequency, lump sums and extra payments. Works anywhere, in 20 currencies.

No account. No ads. Nothing leaves your phone — there is no server, and nothing to sign up for.

Free for 7 days, then a single one-time unlock. No subscription, ever.

Part of Appopolis — a little city of small, focused apps.