# Mortgage Loan Calculator: PITI — Home Payment & Payoff Schedule

> Home Payment & Payoff Schedule (iPhone/iPad app by Denys Illichov.)

- Source: https://appshunter.io/ios/app/mortgage-loan-calculator-piti/id6800137939 (this page in markdown: same URL + `.md`)
- Developer: [Denys Illichov](https://appshunter.io/developer/1863259054)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 2 MB
- Languages: American English, European Spanish
- Released: 2026-09-08
- Data updated: 2026-09-12
- User reviews in markdown: https://appshunter.io/ios/app/mortgage-loan-calculator-piti/id6800137939/reviews.md

## What is Mortgage Loan Calculator?

The only mortgage calculator that shows what you'll ACTUALLY pay — not just principal and interest, but property taxes for your state, insurance, PMI and HOA, all in one honest monthly number.

PASTE A LISTING, GET THE TRUTH
Found a home on Zillow, Redfin or Realtor? Paste the link — the price, state taxes and insurance load automatically. One tap shows the real monthly cost of that exact house.

TRUE PITI, NOT MARKETING MATH
• Property tax rates for all 50 states, applied automatically
• Insurance estimates that match your state, not a national average
• PMI appears when your down payment is under 20% — and the app shows exactly how much more down removes it
• FHA and VA loans with real MIP and funding fees

SEE THE FINISH LINE
• Payoff chart shows the year you'll be mortgage-free
• Add an extra payment and watch years and interest disappear
• Full amortization table, year by year
• Share a clean PDF with your agent or partner

LIVE RATES, NOT GUESSES
• Weekly average rates from Freddie Mac, updated automatically
• 52-week trend chart
• Rate alerts — get notified when rates drop below your target
• Optional weekly rate digest

EVERY QUESTION, ONE APP
• How much house can I afford? Real DTI math lenders use
• Should I refinance? Honest break-even and lifetime cost
• How much equity can I use? LTV and usable equity at 80%
• Track your payoff progress year by year

SAVE AND COMPARE
• Save every home you're considering
• Compare two scenarios side by side
• Home Screen widgets: your saved payment and this week's rate
• Everything stays on your device — no accounts, no data collection

Free. No ads on your calculations. No sign-up.


## Version history (last 1 release)

### 1.0 — 2026-09-08

No release notes.

## More apps by Denys Illichov

- [Natal Chart AI](https://appshunter.io/ios/app/natal-chart-ai/id6769429370)

All apps by Denys Illichov: https://appshunter.io/developer/1863259054

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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 2026-09-12.*