# Mortgage Pal - Loan Calculator — user reviews > 33 indexed App Store user reviews of Mortgage Pal by Appeum Inc, rated 4.80/5 from 4,686 ratings. - Source: https://appshunter.io/ios/app/mortgage-pal-loan-calculator/id1478735062/reviews - App overview in markdown: https://appshunter.io/ios/app/mortgage-pal-loan-calculator/id1478735062.md - Rating breakdown: 5★ 4,161 · 4★ 249 · 3★ 100 · 2★ 45 · 1★ 131 ## What do users think of Mortgage Pal? Overall sentiment: neutral **Pros** - 🚀 Simple and intuitive - 🚀 Easy to use - 🚀 Provides necessary information - ✨ Accurate calculations **Cons** - 🐛 Freezes and crashes frequently - 🔒 Privacy concerns (access to motion/fitness data) - 🔍 Lacks important features (PMI, closing costs) **Commonly reported bugs** - Doesn't allow calculations with no down payment - Frequently freezes and crashes - Unable to contact developers to report bugs **Most requested features** - Add PMI option for less than 20% down payment - Improve data entry experience - Implement landscape mode support for iPads - Show impact of extra payments on interest savings ## Newest reviews (12 of 33) ### 4/5 — Can’t change start date *2026-07-01, version 4.1* I would love this app if I could change the start date of my mortgage to make it current ### 2/5 — Update Horrible *2026-04-22, version 4.1* This was excellent before you changed it. Now it is ridiculous to try different rates. Time for a different app. ### 2/5 — Lost *2026-03-01, version 4.1* It used to be helpful but now it’s too many pop up ads ### 4/5 — Great app but… *2025-10-29, version 3.7* I think it’s great, very simple, very intuitive and easy to use. But it missing something very important… PMI. I don’t see an option to add the PMI when putting less than 20% down. ### 4/5 — Dawn *2025-03-07, version 3.7* Great app, gives everything you need. The only reason why I didn’t give it 5 stars is because the older app was just a little easier to enter information. ### 1/5 — Keeps freezing *2022-12-15, version 3.7* App Keeps freezing, have to get out of it to re input numbers ### 1/5 — Cannot contact Devs to report bugs *2022-08-01, version 3.7* There’s a number of irritating bugs in this app but all avenues to report the bugs to the devs are dead ends. ### 2/5 — Annoying *2021-12-30, version 3.7* All this does is take you to lendingtree.com to figure out your Mortgage which means you need internet. I just need a calculator on my phone/ipad. ### 1/5 — Nonsence calculator *2021-01-19, version 3.5* Extremely challenging towards full idiotism. ### 2/5 — Sideways *2020-11-05, version 3.4* Won’t go horizontal ### 3/5 — Still no landscape mode for iPad *2020-08-06, version 3.2* Who uses their iPad Pro in portrait mode? Please update landscape support on iPads. ### 1/5 — Too Simplistic *2020-01-01, version 2.1* Allows user to add extra payments but doesn’t show the benefit of doing so in terms of interest saved or shorter term. ## Most critical reviews (10 lowest-rated) ### 1/5 — Stupid adds after update *2026-04-28, version 4.1* I liked the app but after an update it has adds and won’t let me use the app unless I click on the stupid adds. ### 1/5 — Can’t see what I’m typing *2026-03-20, version 4.1* I’m seeing similar complaint. The ads are taking up too much space. App deleted. ### 1/5 — No option to adjust DTI ratios anymore under mortgage affordability *2026-02-19, version 4.0* Only reason I used this app is cuz I could set DTI but now I can’t after the updates ### 1/5 — Update gone wrong *2026-02-08, version 4.0* They did an update and now when I click on the bar to enter my information on cost, I cannot see what I’m typing when the keyboard comes up. This makes a very difficult to know what data you’re entering ### 1/5 — I hate the new interface *2026-02-07, version 4.0* I used to love this app but now I can hardly use it. It’s possible I’ve got the font too big, but the old app worked great ### 1/5 — Accelerometer Access? *2025-03-10, version 3.7* Really? This app wants to access my accelerometer data. Come on dev, you can do better. ### 1/5 — Why? *2024-12-22, version 3.7* App request access to health information ### 1/5 — Privacy Concern *2024-06-23, version 3.7* This app asked for access to my Motion & Fitness data. Not sure why a calculator requires that information. ### 1/5 — Closing costs? *2024-02-22, version 3.7* Where are closing costs handled? ### 1/5 — Problems *2023-10-11, version 3.7* Doesn’t allow a calculation with no down payment. Frequently freezes. ## Most praised reviews (10 highest-rated) ### 5/5 — Love this app *2026-08-07, version 4.1* Great calculator, has all the fields I’d want, and set up intuitively, kudos ### 5/5 — Best free App *2026-07-14, version 4.1* This is probably the best free mortgage calculator app I have ever used ### 5/5 — Exactly what you need *2026-07-01, version 4.1* Super simple, easy to use and easy to understand - very helpful ### 5/5 — The best. Simple. *2026-01-28, version 4.0* No pop up ads. No marketing. Just a great app. ### 5/5 — Great app *2019-11-22, version 2.1* Mortgage Calculator Pro Tools: is a 100% free mortgage calculator. Great ### 5/5 — Easy to use !! *2019-11-22, version 2.1* Best calculator! Easy to use and large number should be easy to follow. Thank you !! Best calculator! Easy to use and large number should be easy to follow. Thank you !! ### 5/5 — Thanks for creating this app! *2019-11-20, version 2.1* The Mortgage calculator helps me to calculate very accurately and accurately my budget. Help me make the correct decision for installment loans. ### 5/5 — Quick & easy *2019-11-09, version 1.32* Compared to other mortgage calc's (Iv'e seen), this is one of the best. Would like to see it work like an actual financial calc so you can work the figures different ways. ### 5/5 — Very Accurate *2019-11-09, version 1.32* I used other mortgage rate calculators when I bought my first home, but none were accurate to what I'm currently paying. When I put my figures into this calculator, I was shown exactly what I am paying including a breakdown of the PMI insurance. ### 5/5 — Thank you *2019-09-19, version 1.0* Me and my husband found this after our last time meeting with a bank and getting out hearts broken on a house that we thought we could afford. Well now we know what we can afford so when we went to the bank a couple of weeks ago we got approved for our first house. Thank you --- *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 2026-09-02.*