Chip Mortgage Calculator US

Chip Mortgage Calculator shows the true monthly cost of a home. It is a mortgage calculator for US fixed-rate home loans. Most tools show only the loan payment. This one adds the rest. Your Monthly Payment counts principal and interest, property tax, home insurance, PMI, HOA dues, upkeep, utilities and any extra principal you choose to pay. Now you can plan and budget before you buy. See It on One Screen Type a home price, a down payment, a rate and a term. Your Monthly Payment sits at the top. Your payoff date is right below it, with the month and year in full. Tax and insurance start as US averages for the price. Change them any time. PMI is only charged when you put down less than 20%. It stops when the loan drops to 78% of the price on the first schedule. Look Closer Tap Details for a chart of where each dollar goes each month. You also get the loan facts and the total you will repay. Add an extra payment and see how much interest you save. You will also see how much sooner the loan is paid off. Tap Cash Flow for a table of each month. Switch to a table of each year with one tap. Save the table as a CSV file to open in a spreadsheet. Share a Short Report Make a two or three page PDF report. Send it to your lender or your partner. Save your plans in the app, and open a plan file that someone sends you. Plain Words Tap the name of any field to read what it means in plain English. The text grows with your iPhone's text size, up to the largest sizes. Dark Mode follows your iPhone, or tap the gear to choose Light or Dark. It works on iPhone and iPad. Calculate at No Cost Use unlimited calculations, charts, Details and on-screen payment schedules at no cost. One optional purchase adds saving plans and exporting PDF reports and CSV schedules. No subscription or ads. If you bought the original paid app, you keep full access. Your plans stay on your device. The first time you open this mortgage calculator, it fills in a real example. It uses the US median home price of $429,100 (NAR, August 2026) with 20% down. It also gets the latest Freddie Mac 30-year average rate from the St. Louis Fed. That request sends nothing about you. With no signal, the app uses a rate built into it. This mortgage calculator gives estimates. Your lender's numbers may differ. It is not financial advice. Questions? The support page has an email address. Privacy Policy: https://chiragmirani.github.io/chip-mortgage-calculator/privacy.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/