Mortgage Pal Downloads & RevenueMortgage Pal - Loan Calculator · App Store

Want to save on your mortgage? Start using this all-in-one mortgage toolkit to make smarter home buying decisions.

Mortgage Pal has 7 powerful tools in 1 app:
• Mortgage Payment Calculator
• Mortgage Affordability Calculator
• Mortgage Refinance Calculator
• HELOC Calculator
• Rent vs Buy Calculator
• Closing Costs Calculator
• Mortgage Rate Trends Visualizer

Calculate mortgage payments including PMI, property taxes, insurance, and HOA fees. Plan your payments, save on interest, and make confident home buying decisions.

MORTGAGE PAYMENT CALCULATOR
• Calculate payments with monthly, weekly, bi-weekly, quarterly, and yearly plans
• Account for PMI, taxes, insurance, and HOA fees
• Detailed schedules showing interest vs principal breakdown
• See how extra payments save you thousands in interest

MORTGAGE AFFORDABILITY CALCULATOR
• Determine how much home you can afford based on your income
• Adjustable debt-to-income ratio with your expenses and debts
• Instantly see your maximum purchase price and monthly payment

REFINANCE CALCULATOR
• Compare current vs new mortgage side by side
• See monthly savings and break-even point
• Toggle closing costs to roll into loan or pay upfront

HELOC CALCULATOR
• Estimate your available home equity line of credit
• Calculate payments based on home value and existing mortgage

RENT VS BUY CALCULATOR
• Compare the true cost of renting vs buying over time
• Factors in appreciation, rent increases, investment returns, and tax benefits

CLOSING COSTS CALCULATOR
• State-specific estimates including title insurance, taxes, and fees
• See exactly how much cash you need at closing

MORTGAGE RATE TRENDS
• Track 30-year fixed, 15-year fixed, and FHA rates
• Visualize history over 30 days, 1 year, or 5 years

— FREQUENTLY ASKED QUESTIONS —

Q: What is the best free mortgage calculator app for iPhone?
A: Mortgage Pal is a top-rated free mortgage calculator for iPhone with multiple tools in one app — including payment, affordability, refinance, HELOC, rent vs buy, and closing costs calculators. No subscriptions, no paywalls, no account required.

Q: How is Mortgage Pal different from other mortgage calculator apps?
A: Most mortgage apps only offer a basic payment calculator. Mortgage Pal includes 6 calculators covering every stage of homeownership — from affordability and closing costs to refinancing and HELOC — all free with no ads locked behind a paywall.

Q: Do I need an account or subscription to use Mortgage Pal?
A: No. Mortgage Pal is 100% free with no account signup, no subscription, and no premium tier. Every calculator and feature is available immediately.

Q: Does Mortgage Pal work offline?
A: Yes. All calculators work without internet. Rate trends require a connection, but every calculator runs entirely on-device — perfect for meetings with lenders or open houses.

Q: Can realtors and mortgage brokers use Mortgage Pal with clients?
A: Yes. Thousands of realtors, mortgage brokers, and financial planners use Mortgag