# Chip Mortgage Calculator US — Payment, Amortization & Payoff

> Payment, Amortization & Payoff (iPhone/iPad app by Chirag Mirani.)

- Source: https://appshunter.io/ios/app/chip-mortgage-calculator-us/id6821645194 (this page in markdown: same URL + `.md`)
- Developer: [Chirag Mirani](https://appshunter.io/developer/1207300327)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 6 MB
- Languages: American English, Mexican Spanish
- Released: 2026-10-21
- Data updated: 2026-10-24

## What is 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/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Full Calculator | $2.99 | one-time |


## Is Chip Mortgage Calculator US safe?

Not enough ratings yet to assess Chip Mortgage Calculator US.

## Is Chip Mortgage Calculator US legit?

Chip Mortgage Calculator US appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Chip Mortgage Calculator US is 75 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.1 — 2026-10-22

Share the app with a direct App Store link from App Options. PDF reports include a clickable link and QR code. Calculations respond faster, the download is smaller, and CSV sharing is at the top of Cash Flow.

Unlimited mortgage calculations, Details and payment schedules now cost nothing. One optional purchase adds saving plans and PDF/CSV exports. Previous paid customers keep full access. Restore Purchase is in App Options > Full Calculator.

Now in Spanish. Every screen, the help for each field, the PDF report and the CSV table appear in Spanish when your iPhone or iPad is set to Spanish. Amounts stay in US dollars and US format.

Dark Mode. The app follows your iPhone's appearance, or tap the gear and pick Light or Dark. The PDF report always prints in light colors.

### 1.0 — 2026-10-21

No release notes.

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All apps by Chirag Mirani: https://appshunter.io/developer/1207300327

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*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 2026-10-24.*