Awesome
Great tool, used bunch of times to get an estimate, highly recommended
Free
About
This app calculates the complete cost of homeownership, including principal, interest, taxes, insurance, PMI, and HOA fees. It provides detailed breakdowns, amortization schedules, and educational resources for informed financial decisions. No login or spam, ensuring user privacy.
✓Complete cost calculation (PITI + HOA)
✓Interactive payment breakdown chart
✓Full amortization schedule
✓Save and compare multiple scenarios
✓Extra payment analysis
✓Mortgage glossary and home buying guide
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What's New in Truecost
1.0
January 19, 2026
User reviews
Developer apps
FAQ
What is the true total cost of homeownership calculated by Truecost?
Truecost calculates the complete monthly payment, including Principal, Interest, Taxes, Insurance, PMI, and HOA fees (PITI + HOA). This provides a realistic view beyond just principal and interest.
Does Truecost require a login or share user data?
No, Truecost offers full functionality without requiring an account, ensuring your data stays on your device. The app guarantees no spam and does not sell your information or connect you to lenders.
What educational tools are available in Truecost?
Truecost includes a Mortgage Glossary to explain terms like PMI and APR, and a Home Buying Guide offering a step-by-step walkthrough of the home purchasing process.
Can I compare different loan scenarios with Truecost?
Yes, Truecost allows you to save and compare multiple mortgage scenarios. You can also analyze the impact of extra payments to understand potential savings.
What devices is Truecost available on?
Truecost is available on iPhone, iPad, and iPod. It features a beautiful, modern interface that supports dark mode.
How often is Truecost updated?
The latest version of Truecost is 1.0, and it was last updated on January 19, 2026. This indicates a recent release with potential for future updates.
What is the age rating for Truecost?
Truecost has an age rating of 4+, making it suitable for a wide range of users. It is designed to be accessible and informative for anyone exploring homeownership costs.
Does Truecost have ads?
No, Truecost is ad-free. The app is designed to provide a clean and uninterrupted user experience focused solely on mortgage calculations and financial education.