# Advanced Mortgage Calculator > Comprehensive mortgage calculator for home buying decisions and financial analysis. (iPhone/iPad app by Kristoffer Ruyeras.) - Source: https://appshunter.io/ios/app/advanced-mortgage-calculator/id6768905353 (this page in markdown: same URL + `.md`) - Developer: [Kristoffer Ruyeras](https://appshunter.io/developer/1896613237) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 26.5 · 2 MB - Languages: American English, European Spanish - Released: 2026-05-13 - Data updated: 2026-07-23 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/advanced-mortgage-calculator/id6768905353/reviews.md ## What is Advanced Mortgage Calculator? Mortgage Calculator — Buy, Build & Plan with Confidence Buying or building a home is the biggest financial decision most people ever make. Mortgage Calculator turns the guesswork into clear, instant answers — so you walk into your lender's office already knowing your numbers. Whether you're a first-time buyer, refinancing, eyeing a second home, or breaking ground on a new build, everything you need is in one beautifully simple app. No account required. No subscription. INSTANT, ACCURATE PAYMENTS • See your full monthly payment (PITI) update live as you drag sliders for price, down payment, and rate • Add property taxes, homeowners insurance, PMI, HOA dues, and utilities for a true all-in cost • View a complete amortization schedule — watch principal, interest, and payoff over time SAVE, COMPARE & TRACK • Save unlimited scenarios and compare them side by side with clear charts • Down Payment Goal Tracker — set a target and watch your progress • Buying Readiness Score (0–100) — see how mortgage-ready you are and what to improve • iCloud sync keeps every scenario on all your devices • Home Screen widget keeps your key numbers a glance away LEARN AS YOU GO • Built-in Learn center with a plain-English glossary of 25+ mortgage terms • Step-by-step "Steps to Buy" guide • Tap "?" on any field for instant, contextual explanations with worked examples from your own numbers PRO TOOLS — one-time purchase, no subscription Unlock a full suite of decision-making calculators: • Refinance Calculator — monthly savings, break-even point, and lifetime interest saved • Rent vs. Buy — compare true cost over 5–30 years with appreciation, equity, and opportunity cost • Affordability Calculator — how much home you can afford from your income, debts, and DTI • Second Home / Investment — the max second or rental property you can afford while carrying your current mortgage, with rental income built in • NEW — Builder Loans — planning a build? Estimate your construction loan and permanent mortgage, compare single-close vs. two-close, check your down payment, and learn how the whole process works, step by step • Closing Cost Estimator — itemized estimates for conventional, FHA, and VA loans • ARM vs. Fixed — compare a 5/7/10-year ARM to a fixed rate across the life of the loan • Advanced Cost Estimator — add HOA, utilities, and state-level estimates to any scenario BUILT FOR EVERYONE • Clean, native design that's fast and easy to use • Full Spanish language support • Rate alerts, PDF export, and more • Your data stays private — no sign-up, no tracking Download Mortgage Calculator today and know your numbers before you sign. ## Key features - Monthly payment calculation (P+I, taxes, insurance, PMI) - Compare multiple loan scenarios - Full amortization schedules - Extra payment savings forecast - Rate impact analysis - Affordability analysis - Refinance calculator - Rent vs. Buy comparison ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | US | $1.99 | one-time | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/advanced-mortgage-calculator/id6768905353/reviews.md ### 5/5 — Super Easy *2026-05-13* Love how smooth and easy it is to use. I love the forecast and comparison tool. ## Frequently asked questions about Advanced Mortgage Calculator ### What is the Advanced Mortgage Calculator? The Advanced Mortgage Calculator is a free finance app designed to help users make smarter home buying decisions. It calculates monthly payments, compares loan scenarios, and provides detailed amortization schedules. ### Does Advanced Mortgage Calculator have ads? No, Advanced Mortgage Calculator is ad-free. The app explicitly states 'No ads' in its description, ensuring an uninterrupted user experience. ### What are the PRO Tools in Advanced Mortgage Calculator? PRO Tools include a Refinance Calculator to show monthly savings and break-even points, and a Rent vs. Buy calculator that compares costs over 5-30 years with a crossover chart. ### Can I save and compare different mortgage options with Advanced Mortgage Calculator? Yes, you can save and compare up to 3 loan scenarios side by side within the app. This feature helps users evaluate different interest rates and loan terms. ### What platforms is Advanced Mortgage Calculator available on? Advanced Mortgage Calculator is available on iPhone and iPad devices. It is designed for Apple's mobile operating systems. ### How often is Advanced Mortgage Calculator updated? The latest version, 2.1.1, was released on June 21, 2026, indicating recent development activity. Users can expect ongoing improvements and feature additions. ### Is my financial data safe with Advanced Mortgage Calculator? Yes, your data stays on your device. The app emphasizes privacy by stating 'Your data stays on your device,' meaning no sensitive financial information is shared or stored remotely. ### What is the user rating for Advanced Mortgage Calculator? Advanced Mortgage Calculator has a perfect rating of 5.0 stars from 1 rating. This indicates a highly positive initial user reception. ## Version history (last 5 releases) ### 2.5 — 2026-07-16 • Clearer input labels in the Second Home & Investment tool • Small fixes and improvements ### 2.4 — 2026-07-14 NEW: Builder Loans Planning to build instead of buy? The new Builder Loans tool helps you understand and estimate a construction loan from start to finish. • Estimate your total project cost — land, construction, and a contingency reserve • See interest-only payments during the build and your permanent mortgage payment after • Compare Single-Close (construction-to-permanent) vs. Two-Close structures • Check your down payment against typical builder-loan requirements • Learn how the process works, step by step — from pre-approval and draw schedules to converting to your permanent mortgage Plus the usual under-the-hood improvements and refinements. ### 2.3 — 2026-07-02 What's New in 2.3 Thinking about a second home or your first rental property? The new Second Home / Investment calculator (PRO) shows the maximum you can afford while still carrying your current mortgage. • Toggle between a second home and an investment property — each uses the right rate and down-payment rules lenders actually apply • Counts your current mortgage payment as committed debt for a realistic, combined debt-to-income picture • Investment mode factors in rental income and estimates your monthly cash flow • Instantly see your max price, loan amount, and monthly payment Thanks for using Mortgage Calculator! We're always working to help you make smarter home-buying decisions. ### 2.2 — 2026-06-27 What's New in Version 2.2 Buying a home just got clearer. This update adds three free tools to help you go from "just curious" to "ready to buy." Buying Readiness Score See how mortgage-ready you are at a glance. Get a 0–100 score based on your down payment, debt-to-income ratio, cash reserves, and credit range — plus a personalized tip on what to improve next. Down Payment Goal Tracker Set a savings goal and watch your progress. Track how much you've saved, see your projected finish date, and find out exactly how much more per month gets you there faster. First-Time Homebuyer Guide New to all this? Tap "Learn" for a plain-English glossary of 25+ mortgage terms (PITI, PMI, DTI, escrow, and more) and a step-by-step guide to buying a home. Every term shows a live example using your own numbers, and a "?" next to key fields explains them right where you need it. ### 2.1.1 — 2026-06-21 What's New: - Fixed an issue where the keyboard would not dismiss when entering utility costs in Advanced Monthly Costs - Fixed the Compare tab showing incorrect monthly totals when Advanced Monthly Costs were included - Pro Tools (Refinance, Rent vs. Buy, Affordability, Closing Cost, ARM vs. Fixed) now pre-fill with your current Calculator values --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-23.*