# Mortgage Clarity — Payments, Rates & Schedule

> Payments, Rates & Schedule (iPhone/iPad app by GroundSpeed™.)

- Source: https://appshunter.io/ios/app/mortgage-clarity/id660077051 (this page in markdown: same URL + `.md`)
- Developer: [GroundSpeed™](https://appshunter.io/developer/660077054)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 18.6 · 1 MB
- Languages: American English
- Released: 2013-06-25
- Data updated: 2026-08-08
- User reviews in markdown: https://appshunter.io/ios/app/mortgage-clarity/id660077051/reviews.md

## What is Mortgage Clarity?

Mortgage Clarity is a modern mortgage calculator designed for speed, accuracy, and simplicity.

Quickly calculate your monthly payment based on:
• Home price
• Down payment
• Interest rate
• Loan term
• Property taxes
• Homeowners insurance
• PMI (Private Mortgage Insurance)
• HOA dues

Results update instantly in a clean, card-based interface built entirely with SwiftUI.

Complete Loan Analysis

Go beyond a monthly payment with a full amortization schedule that accurately calculates:
• Monthly principal and interest
• Remaining loan balance
• Total interest paid
• Total amount paid
• Loan payoff date
• Extra monthly payment scenarios

Every calculation is generated from the complete amortization schedule, providing accurate results even when making additional principal payments.

Live Mortgage Rates

View current U.S. mortgage rates directly from the St. Louis Fed (FRED), including:
• 30-Year Fixed
• 15-Year Fixed
• 5/1 ARM
• Current and previous week comparisons

Rates are retrieved securely using the official FRED API, ensuring reliable and up-to-date information.

Built for Modern iOS
• Beautiful SwiftUI interface
• Full Dark Mode support
• Dynamic Type support for larger text sizes
• VoiceOver accessibility
• Fast, responsive performance
• Optimized for the latest versions of iOS

Whether you’re buying your first home, refinancing, paying off your mortgage early, or comparing loan scenarios, Mortgage Clarity helps you make informed financial decisions with confidence.

Simple. Accurate. Clear.


## Version history (last 5 releases)

### 5.03 — 2026-08-02

Amortized is now Mortgage Clarity!

Same app you rely on for fast, accurate loan calculations, now with a new name and a complete redesign.
• All-new look and feel with a cleaner, card-based layout that's easier to read
• More accurate calculations for payoff date, total interest, and total paid using your full amortization schedule
• More precise handling of extra monthly payments, ensuring your final payment is never larger than necessary
• Refreshed Rates tab with improved loading and error states for easier-to-read mortgage rate data
• Better support for Dark Mode, larger text sizes, and VoiceOver
• New app icon
• Bug fixes and performance improvements

### 4.13 — 2026-07-02

Bug fixes and cleaned up the app logo

### 4.11 — 2026-03-11

Added Amortization Schedule Report

After calculating a loan payment, tap View Schedule to open a complete amortization report. This report shows a detailed breakdown of every payment over the life of the loan.

What you will see
- Loan details including amount, interest rate, term, start date, and any extra payment
- Summary totals showing the scheduled payment, number of payments, and total interest paid
- Full payment table listing the principal, interest, and remaining balance for each payment

Added schedule options

- Start date
Choose when the loan begins. The default is the first day of the next month.

- Extra payment
Enter an optional extra amount to apply to each payment and instantly see how it shortens the loan term and reduces total interest.

Updated to a clean, modern design

The schedule screen uses a clear card based layout with large, readable numbers. It works beautifully on both iPhone and iPad, making it easy to review your loan details and payment progress.

### 4.04 — 2026-03-10

Easier, Smarter Input
Entering loan details is now faster and more intuitive. The updated form makes it simple to enter the loan amount, down payment, interest rate, and loan term with clear labels and helpful hints.

Clearer Results
Your calculated monthly payment now appears at the top of the screen in a bold, large font so you can quickly see the result at a glance.

Improved Buttons
The Calculate and Clear buttons are now larger and easier to tap. Their updated design provides a cleaner and more consistent look across the app.

Smarter Layout
The interface has been reorganized with better spacing and a more natural iPhone style. The layout reduces clutter and keeps the focus on the most important information.

Quick Sound Control
You can now mute or unmute the voice announcement with a single tap. The control is conveniently located in the top corner for quick access.

Refined Colors
The app’s signature green theme remains while now adapting smoothly to both light mode and dark mode.

Simple Navigation
A modern tab bar makes it easy to switch between the payment calculator and current interest rate views.

### 4.03 — 2026-03-04

Cleaned up some UI

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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 2026-08-08.*