MortgageClear

MortgageClear isn't a calculator that just tells you your monthly payment. It tells you what to do next. PLAN YOUR PAYOFF, YOUR WAY The Payoff Planner is the heart of the app — a two-way calculator that works however you think: - Tell us when you want to be mortgage-free, and we'll show you exactly how much extra to pay each month. - Tell us how much extra you can pay, and we'll show you your new payoff date and how much interest you'll save. REAL MATH, NOT ROUGH GUESSES Every schedule is calculated month by month — not approximated — so extra payments, one-time lump sums, and PMI removal timing are all reflected accurately in your amortization table, not just in a single summary number. TRACK EVERY LOAN IN ONE PLACE Mortgages, rental properties, auto loans, boat loans — track them all with a clean dashboard showing your total monthly obligations, combined debt, weighted average interest rate, and total equity built. KNOW WHEN PMI DISAPPEARS MortgageClear estimates PMI/MIP removal timing based on your loan program — Conventional, FHA, VA, or USDA each follow different rules, and the app knows the difference. SHOULD YOU REFINANCE? Compare your current loan against a new rate offer and see your break-even point in months, monthly savings, and lifetime interest difference — before you talk to a lender. REAL PROPERTY TAX DATA Select your state and get a property tax estimate based on published Tax Foundation effective rate data — not a guess. (Home insurance estimates are clearly labeled as industry estimates, not official figures, so you always know how much to trust each number.) YOUR DATA STAYS YOURS No account required. No ads. No tracking. No subscription. Everything is stored locally on your device — MortgageClear doesn't have a server, so there's nothing to hack, sell, or lose. Built for homeowners who want a clear, honest picture of their mortgage — and a plan to pay it off faster. Privacy Policy：https://shayne-max.github.io/MortgageClear/privacy.html Terms Of Use：https://shayne-max.github.io/MortgageClear/terms.html