# NoteHarbor Calculator — Loan, note & payoff math

> Loan, note & payoff math (iPhone/iPad app by CODY JOE MCDONALD.)

- Source: https://appshunter.io/ios/app/noteharbor-calculator/id6800109962 (this page in markdown: same URL + `.md`)
- Developer: [CODY JOE MCDONALD](https://appshunter.io/developer/6799340629)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 49 MB
- Languages: American English
- Released: 2026-08-20
- Data updated: 2026-09-24
- User reviews in markdown: https://appshunter.io/ios/app/noteharbor-calculator/id6800109962/reviews.md

## What is NoteHarbor Calculator?

NoteHarbor Calculator is a free, offline toolkit for private note investors, seller-finance lenders, and anyone who needs fast, exact loan math.

Six calculators plus a full financial calculator, each penny-accurate:

• Financial calculator — a five-key time-value-of-money calculator: enter any four of N, I/YR, PV, PMT, FV and solve the fifth.
• Amortizing loan — level P&I payment, total interest, total cost, payoff date, and a full amortization schedule.
• Interest-only — flat interest payment with the principal due as a balloon at maturity.
• Balloon loan — payment sized on a long amortization with the full balance due as a balloon.
• Recast — apply a lump-sum curtailment and see your new, lower payment re-amortized over the same remaining term. Your payoff date doesn't change.
• Payoff — per-diem interest and the exact total to pay a note off on any date.
• Affordability — work backward from a payment you can afford to the loan amount it supports.

Every result gives you a clear headline number, a plain-English explanation, and one-tap Share / Copy — plus PDF / PNG export with Calculator Pro.

Why it's different: the math is identical to NoteHarbor's loan-servicing platform — integer-cents precision, standard statement rounding, and the same formulas used to service real loans. No accounts, no login; the calculators work offline. The free version is ad-supported, and Calculator Pro ($6.99, one-time) removes ads and unlocks PDF/PNG export.

When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Calculator Pro | $6.99 | one-time |



## Version history (last 2 releases)

### 1.0.1 — 2026-08-28

Small polish update:
• The 0 key now sits where your thumb expects it, with the plus/minus key moved to the far left
• Dark and Simple themes now use the same typography as the Light theme
• Smarter ad loading on the free tier with automatic retries

Thanks for calculating with NoteHarbor!

### 1.0 — 2026-08-20

No release notes.

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## More apps by CODY JOE MCDONALD

- [NoteHarbor](https://appshunter.io/ios/app/noteharbor/id6800191719)
- [NoteHarbor Deal Stack](https://appshunter.io/ios/app/noteharbor-deal-stack/id6806047742)

All apps by CODY JOE MCDONALD: https://appshunter.io/developer/6799340629

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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 2026-09-24.*