Mortgage Calculator Clear: Understand Your Home Loan (Not Just the Payment)
Interactive mortgage clarity—extra payments, refinance break‑even, amortization, equity projection, and buy vs. rent. Private, no lender referrals.
Most mortgage apps give you a number and try to sell you a loan. Mortgage Calculator Clear gives you insight. Drag a slider and watch years fall off your term, test refi break‑even, project equity, and see where every dollar goes—without ads, accounts, or tracking.
👉 App Store: https://apps.apple.com/us/app/mortgage-calculator-clear/id6758990724
Why People Choose It
Mortgage Calculator Clear is designed to explain, not sell.
Live sliders for price, down payment, rate, and term make the math tangible—every tiny change updates the whole picture in real time. Extra payments show their impact instantly, both in years shaved off the term and interest saved over the life of the loan.
If you’re considering a refinance, side‑by‑side comparisons reveal the true break‑even so you can decide with confidence. And when you want the full story, you can open a complete amortization schedule, track a “you are here” marker on your payoff path, and project equity with conservative defaults—not fantasy growth.
How It Works (Seconds)
Start with the numbers you know and slide the rest: price, down payment, interest rate, and term.
As you move, the app recalculates monthly payment, total interest, and total cost instantly. Add an extra monthly amount and see the term contract in real time. Thinking about a refi?
Enter your target rate and costs to visualize a realistic break‑even curve, then decide whether the savings arrive soon enough to make sense. When you’re ready to share, export clean, screenshot‑ready cards for your partner or agent.
Clarity Features
Clarity is the throughline: transparent totals, an accurate amortization schedule you can actually read, and a simple glossary when you want to understand a term without leaving the app.
We kept the interface calm and the numbers honest so you can make decisions instead of doing spreadsheet acrobatics.
Real‑World Scenarios
An extra €/$100 per month doesn’t feel like much until you watch the term drop by months—or even years—right in front of you.
A refinance that looks attractive at first glance may push the break‑even too far into the future once you account for closing costs; seeing the curve prevents wishful thinking.
And equity projections grounded in modest assumptions help you understand how principal paydown, not just market luck, builds long‑term net worth.
These tools are for education—not financial advice.
FAQ
Is this a lender or broker app?
No. There are no referrals or lead forms—just calculators and guides.
Will the numbers match my bank?
They’re educational estimates; your lender may calculate costs differently. Always verify with official loan disclosures.
Does it work offline?
Yes. All calculations are on device.
Privacy > Pressure
No lender referrals, no affiliate links, no user profiles. All calculations run on device.
Download
Understand your mortgage—don’t let it be a mystery.
👉 App Store: https://apps.apple.com/us/app/mortgage-calculator-clear/id6758990724