# Mortgage Estimator : Plan EMI — Home Loan Payment & Payoff

> Home Loan Payment & Payoff (iPhone/iPad app by Devvrat Kalia.)

- Source: https://appshunter.io/ios/app/mortgage-estimator-plan-emi/id6808594739 (this page in markdown: same URL + `.md`)
- Developer: [Devvrat Kalia](https://appshunter.io/developer/1896569497)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 38 MB
- Languages: American English
- Released: 2026-09-17
- Data updated: 2026-10-07

## What is Mortgage Estimator?

Your real monthly mortgage payment in about ten seconds.
Enter price, down payment, rate and term — see the full payment with tax and insurance, the total interest, and the exact month the loan ends.
No sign-up, no internet needed, no numbers leaving your phone.

Most calculators hand you one number and stop. This one shows where that number comes from, and what changes the moment you change anything.

WORK OUT THE REAL NUMBER
• Monthly principal and interest, plus property tax, home insurance, mortgage insurance (PMI) and HOA dues in one figure — not the stripped-down payment a listing quotes
• Total interest paid over 15, 20 or 30 years, or any custom term
• A full amortization schedule, month by month or year by year, showing exactly how much of each payment goes to principal
• Add $100 a month and watch the payoff date move: extra payments monthly, once a year, or as a one-time lump sum
• Down payment and loan-to-value in both percent and currency, updating as you type
• Two scenarios side by side, so a lower rate with higher fees is easy to judge
• Affordability: start from a payment you are comfortable with and work back to a purchase price

BUILT TO BE FAST
• Everything recalculates as you drag a slider or type a figure — there is no calculate button
• Your inputs are saved, so reopening picks up your last scenario
• Save named scenarios and reopen them when a new rate quote arrives
• Any currency and date format
• Schedules that stay readable on a phone screen, in light and dark themes
• Works offline, with no account to create and no data uploaded

PRO
Pro (pro_monthly or pro_yearly) unlocks unlimited saved scenarios, side-by-side comparison, the extra payment planner, the full amortization schedule exported as a spreadsheet or document, and removes ads. Everyday payment and interest calculation stays free. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless turned off at least 24 hours before the end of the current period, and you can manage or cancel it in your account settings.

WHO USES IT
First-time buyers checking what a listing really costs per month. Owners weighing a refinance offer against closing costs. Anyone deciding whether an extra $200 toward principal is worth it. Agents running quick numbers in front of a client.

Run your first scenario now — see the real cost before you sign anything.

Privacy Policy: https://devvratkalia.github.io/mortgage-estimator/privacy.html
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $0.99 | per month |
| Pro Yearly | $9.99 | per year |


## Is Mortgage Estimator safe?

Not enough ratings yet to assess Mortgage Estimator.

## Is Mortgage Estimator legit?

Mortgage Estimator : Plan EMI appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Mortgage Estimator is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-09-17

No release notes.

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All apps by Devvrat Kalia: https://appshunter.io/developer/1896569497

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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 2026-10-07.*