HouseMath
Mortgage, rent, buy calculator
About
This app helps you understand the true monthly cost of homeownership, determine how much house you can afford based on your finances, and compare buying versus renting over the long term. It provides detailed breakdowns of all associated costs and projections.
What's New in HouseMath
1.1
October 24, 2026
New feature: Allows to save a one page PDF summary of any mortgage calculation, suitable printing and ready to email. Bug fix: 1. Fixed: a pasted amount like $800,000.00 could be read as eighty million. Rates and amounts typed in locales that group with periods are read correctly. 2. Fixed: sliders could stop following your finger until you lifted off and tried again. 3. The app now keeps the last mortgage rate it fetched, so it no longer falls back to the default rate it shipped with when it cannot reach the rate service.
MoreFAQ
Does HouseMath have ads?
No, HouseMath is completely ad-free. The app is designed to provide a private and uninterrupted user experience, with all your financial data staying on your device.
What is the pricing for HouseMath?
HouseMath is available for free. There are no hidden costs or in-app purchases required to use its full functionality.
What devices does HouseMath support?
Currently, HouseMath is available on iPhone. Support for other devices may be considered in future updates.
How accurate are HouseMath's estimates?
HouseMath uses statewide approximations for tax and insurance, which are held flat over the loan's life. Your lender's actual numbers may differ, and affordability results are guidelines, not pre-approvals.
Can I model a refinance with HouseMath?
Yes, you can model a refinance within the 'Growth' calculator section. This allows you to compare different scenarios and see potential long-term financial outcomes.
How does HouseMath handle mortgage insurance (PMI)?
HouseMath automatically adds mortgage insurance for down payments below 20%, based on loan-to-value. It also shows when PMI will drop off and allows for manual control over these settings.
What data sources does HouseMath use for growth projections?
Growth projections are built on thirty years of market history, including FHFA state house price indices, S&P 500 returns, Treasury yields, World Bank gold prices, and CPI. All rates are shown and editable.
How often is HouseMath updated?
The app was last updated on October 24, 2026, with version 1.1. This indicates a recent update, suggesting ongoing development and maintenance.
