# Mortgage Calculator: Loan Mate — Plan, amortize & save on loans > Mortgage amortization calculator for planning, comparing, and accelerating loan payoffs. (iPhone/iPad app by Apponance, Inc..) - Source: https://appshunter.io/ios/app/mortgage-calculator-loan-mate/id6770796045 (this page in markdown: same URL + `.md`) - Developer: [Apponance, Inc.](https://appshunter.io/developer/1402331968) - Category: Business, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 45 MB - Languages: American English - Released: 2026-06-15 - Data updated: 2026-09-04 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/mortgage-calculator-loan-mate/id6770796045/reviews.md ## What is Mortgage Calculator? **Mortgage Calculator + Schedule — the clearest way to plan, compare, and pay off a mortgage faster.** Whether you're buying your first home, refinancing, or shaving years off an existing loan, Mortgage gives you a precise amortization schedule in seconds — with no signup, no internet connection, and no spreadsheet wrangling. **Built for real numbers, real decisions** Mortgage does the maths so you don't have to. Type any four of property value, principal, interest %, term, or monthly payment, and the fifth is calculated for you. Add HOA, insurance, property tax, and your own monthly expenses for a true total cost. Layer in extra payments, lump-sum prepayments, fixed payment caps, or step-up interest rates — every change updates the schedule instantly. **What you get** - **5-variable solver** — Property value, down payment, principal, interest rate, term, and monthly payment all stay in sync. Change one, the rest follow. - **Full amortization schedule** — Every monthly payment for the life of the loan, with interest, principal, balance, and LTV in one scrollable table. - **Annual, period & payment views** — Roll up by year, drill into a single year, or scrub through the entire payment timeline. - **Variable & adjustable rates** — Model rate changes month-by-month for ARMs, teaser-rate periods, or interest-only windows. - **Extra payments & prepayments** — Add a one-time lump sum or recurring extra each month and watch your payoff date jump forward. - **Beautiful charts** — Interest vs. principal stacked over the term, balance curve, rate timeline, and a total-payments pie. - **Expenses included** — Monthly HOA, secondary monthly expense, annual insurance, and annual property tax all roll into the true cost. - **Unlimited saved scenarios** — Compare a 15-year vs. 30-year, your current loan vs. a refi, with or without points — keep them side-by-side on your device. - **Privacy first** — Everything lives on your phone. No accounts, no servers, no tracking. Your numbers stay yours. **Perfect for** - First-time home buyers running the numbers before an offer - Homeowners deciding whether to refinance or recast - Anyone planning an early-payoff or biweekly-payment strategy - Real-estate agents and lenders explaining options to clients - Anyone who wants the math without the marketing **Mortgage Premium** Download Mortgage and finally see what your payment schedule actually looks like. ## Key features - 5-variable loan solver - Full amortization schedule - Variable & adjustable rate modeling - Extra payments & prepayments - Integrated expense calculation - Unlimited saved scenarios - Privacy-focused offline use ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium App | $4.99 | one-time | ## Frequently asked questions about Mortgage Calculator ### What is Mortgage Calculator: Loan Mate's primary function? Mortgage Calculator: Loan Mate provides precise amortization schedules to help users plan, compare, and pay off mortgages faster. It calculates missing loan details and includes all associated costs for a comprehensive financial overview. ### Does Mortgage Calculator: Loan Mate require an internet connection? No, Mortgage Calculator: Loan Mate is designed to work without an internet connection. All calculations and schedules are processed directly on your device, ensuring privacy and accessibility. ### How does Mortgage Calculator: Loan Mate handle extra payments? The app allows users to model extra payments, including one-time lump sums or recurring additional amounts. Every change instantly updates the amortization schedule, showing the impact on the payoff date. ### Can Mortgage Calculator: Loan Mate model variable interest rates? Yes, Mortgage Calculator: Loan Mate supports modeling variable and adjustable rates. Users can simulate rate changes month-by-month for scenarios like ARMs or teaser-rate periods. ### What kind of scenarios can I save and compare in Mortgage Calculator: Loan Mate? You can save unlimited scenarios, such as comparing a 15-year versus a 30-year term, or evaluating a refinance option against your current loan. These scenarios can be kept side-by-side on your device for easy comparison. ### Does Mortgage Calculator: Loan Mate have ads? Yes, Mortgage Calculator: Loan Mate contains advertisements. As a free application with in-app purchases, it utilizes ads to support its development and maintenance. ### What is the pricing for Mortgage Calculator: Loan Mate? Mortgage Calculator: Loan Mate is free to download and use. It offers in-app purchases for additional features or content, but the core functionality is available at no cost. ### How often is Mortgage Calculator: Loan Mate updated? The app was last updated on 2026-06-16, indicating regular maintenance and feature enhancements. Users can expect ongoing support and improvements to the application. ## Version history (last 3 releases) ### 7.1.0 — 2026-08-17 Bug fixes and performance improvements ### 7.0.8 — 2026-07-17 Bug fixes and performance improvements ### 7.0.3 — 2026-06-16 No release notes. ## More apps by Apponance, Inc. - [Crypto Master: Market Analysis](https://appshunter.io/ios/app/crypto-master-market-analysis/id569358646) - [Stock Master: Investing Stocks](https://appshunter.io/ios/app/stock-master-investing-stocks/id591644846) - [What's My IP: Address & Map](https://appshunter.io/ios/app/whats-my-ip-address-and-map/id974414251) - [Invoice Maker: Invoice Master](https://appshunter.io/ios/app/invoice-maker-invoice-master/id1402331969) - [Baby Tracker: Newborn Growth](https://appshunter.io/ios/app/baby-tracker-newborn-growth/id1561787685) - [Expense & Budget](https://appshunter.io/ios/app/expense-and-budget/id1639025306) All apps by Apponance, Inc.: https://appshunter.io/developer/1402331968 --- *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 2026-09-04.*