# Ultimate MortgageCalc — Mortgage Calculator

> Mortgage Calculator (iPhone/iPad app by SUNG IL KIM.)

- Source: https://appshunter.io/ios/app/ultimate-mortgagecalc/id6759180006 (this page in markdown: same URL + `.md`)
- Developer: [SUNG IL KIM](https://appshunter.io/developer/1875937553)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 15 MB
- Languages: English
- Released: 2026-02-17
- Data updated: 2026-06-28
- User reviews in markdown: https://appshunter.io/ios/app/ultimate-mortgagecalc/id6759180006/reviews.md

## What is Ultimate MortgageCalc?

Ultimate MortgageCalc is the most comprehensive mortgage calculator designed for homebuyers, refinancers, and real estate investors who need accurate, detailed payment analysis.

WHY CHOOSE ULTIMATE MORTGAGECALC?

Unlike basic calculators, Ultimate MortgageCalc gives you the complete picture of homeownership costs. Make informed decisions with confidence by understanding every aspect of your mortgage payment.

KEY FEATURES:

- Advanced Payment Calculations - Get precise monthly payments including principal, interest, PMI, property taxes, homeowners insurance, and HOA fees

- Multiple Scenario Comparison - Compare different loan terms, down payments, and interest rates side-by-side to find your best option

- Amortization Schedule - View detailed payment breakdowns over the life of your loan

- PMI Tracking - Automatically calculates when PMI drops off based on your payment schedule

- Real-Time Adjustments - Instantly see how changes in interest rates, down payment, or home price affect your monthly payment

- Affordability Analysis - Determine what you can truly afford based on your budget

- Clean, Intuitive Interface - No clutter, no ads, just powerful calculations at your fingertips

PERFECT FOR:

- First-time homebuyers planning their purchase
- Homeowners considering refinancing
- Real estate investors analyzing rental properties
- Anyone comparing mortgage options

MAKE SMARTER DECISIONS

Understanding your true monthly costs is crucial. Don't be surprised by hidden expenses. Ultimate MortgageCalc ensures you know exactly what you'll pay each month, helping you avoid financial stress and make confident decisions.

Download Ultimate MortgageCalc today and take control of your home financing journey!


## Version history (last 3 releases)

### 2.0 — 2026-06-11

The biggest update since launch — a complete redesign and five new planning tools.

REDESIGNED FOR iOS 26
Rebuilt around Apple's Liquid Glass design: a floating tab bar, glass controls, and fluid spring animations throughout. First-class dark mode on every screen. Fully compatible back to iOS 17.

FIVE NEW TOOLS
- Affordability — see the price you can truly afford from your income, debts, and DTI, then send it to the calculator.
- Refinance analyzer — compare your loan to today's rates with monthly savings, break-even timing, and lifetime interest.
- Bi-weekly payments — one switch shows how paying every two weeks retires your loan years early.
- Rent vs. Buy — a chart-backed answer for your time horizon, including appreciation, sale costs, and opportunity cost.
- PDF reports — share any scenario as a clean one-page report, with an optional "Prepared by" letterhead for agents and loan officers.

MORE COMPLETE MATH
- Full PITI: property tax, insurance, HOA, and automatic PMI under 20% down.
- Extra-principal payments with payoff date and interest-saved projections.
- Save, load, and compare scenarios side by side with an A/B savings summary.
- Native 30-day rate trend with live rates.

REFINED THROUGHOUT
Typed-precision inputs, a share link on every result, and accessibility upgrades — Dynamic Type, VoiceOver, and color-blind-safe charts.

Your mortgage math stays on your device. An account is optional.

### 1.1 — 2026-05-17

• Fine-tune loan inputs with new − / + buttons next to each value
• Interest rate now snaps to 1/8% increments (industry standard)
• Smoother, less twitchy sliders
• Share the app via Messages, Mail, or AirDrop from Settings
• Minor polish and stability fixes

### 1.0 — 2026-02-17

No release notes.

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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 2026-06-28.*