# Truecost - Mortgage Calculator — True Cost of Homeownership

> Comprehensive mortgage calculator for total homeownership costs. (iPhone/iPad app by Elias Sierra.)

- Source: https://appshunter.io/ios/app/truecost-mortgage-calculator/id6757891821 (this page in markdown: same URL + `.md`)
- Developer: [Elias Sierra](https://appshunter.io/developer/1434999372)
- Category: Finance, Reference
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 75 MB
- Languages: American English
- Released: 2026-01-18
- Data updated: 2026-06-03
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/truecost-mortgage-calculator/id6757891821/reviews.md

## What is Truecost?

TrueCost shows you the COMPLETE cost of your mortgage — not just principal and interest, but property taxes, home insurance, PMI, and HOA fees too.

THE PROBLEM WITH OTHER CALCULATORS
Most mortgage calculators show you a low monthly payment that doesn't reflect reality. When you get to closing, you're shocked by the true cost. TrueCost fixes this by showing you everything upfront.

WHAT MAKES TRUECOST DIFFERENT

- TRUE TOTAL COST
See your real monthly payment with all costs included: Principal, Interest, Taxes, Insurance, PMI, and HOA (PITI + HOA).

- NO LOGIN REQUIRED
Full functionality without creating an account. Your data stays on your device.

- NO SPAM
We never sell your information or connect you to lenders. Privacy first, always.

- BEAUTIFUL DESIGN
Modern, intuitive interface with smooth sliders and real-time calculations. Supports dark mode.

POWERFUL FEATURES

- Interactive payment breakdown chart
- Complete amortization schedule — see every payment for the life of your loan
- Save and compare multiple scenarios
- Extra payment analysis — see how much you save by paying extra
- Payback ratio — understand exactly how much you pay for every dollar borrowed

EDUCATIONAL TOOLS

- Mortgage Glossary: Learn terms like PMI, APR, escrow, amortization, and more
- Home Buying Guide: Step-by-step walkthrough of the buying process

PERFECT FOR

- First-time home buyers exploring their budget
- Homeowners considering refinancing
- Real estate agents showing scenarios to clients
- Anyone comparing different loan options

LANGUAGE SUPPORT
- English
- Spanish (Español)

Download TrueCost now and discover what you'll really pay for your dream home.

## Key features

- 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

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/truecost-mortgage-calculator/id6757891821/reviews.md

### 5/5 — Awesome

*2026-01-20*

Great tool, used bunch of times to get an estimate, highly recommended

## Frequently asked questions about Truecost

### 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.

## Version history (last 1 release)

### 1.0 — 2026-01-19

No release notes.

## More apps by Elias Sierra

- [Domain Check App](https://appshunter.io/ios/app/domain-check-app/id1435695878)
- [BMI App: Tracker & Calculator](https://appshunter.io/ios/app/bmi-app-tracker-and-calculator/id6740091136)

All apps by Elias Sierra: https://appshunter.io/developer/1434999372

## Related topics

[elias sierra](https://appshunter.io/ios/topics/elias-sierra)

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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 2026-06-03.*