PREMIUM — PURCHASE REQUIRED: All features described below are part of Pro and require a purchase: a weekly or yearly auto-renewing subscription, or a one-time lifetime purchase. What will the house actually cost each month? Not the number on the listing — the real payment: principal, interest, property tax, home insurance and PMI, stacked into one figure that updates as you move a slider. Most mortgage calculators stop at principal and interest, which is why the lender's quote always comes as a surprise. This one computes full PITI, adds PMI automatically the moment your down payment drops below 20 percent, and turns the whole loan into charts you can actually read — where the money goes each month, and how interest front-loads the early years. WHAT YOU GET • The complete monthly payment — principal and interest, property tax, insurance and PMI — recalculated live as you drag home price, down payment, rate or term • PMI that appears only when it applies and disappears when your equity clears 20 percent, so you see the payment jump before the lender mentions it • An amortization chart showing exactly why year three is still mostly interest, plus the full month-by-month schedule down to the last payment • Your income, monthly debts and a DTI target turned into a hard budget ceiling: the highest home price whose full monthly cost still fits • An extra-payment plan that shows the new payoff date and the total interest you skip — years off the loan, in actual dollars • A refinance break-even: enter the new rate and closing costs, get the month the refi starts paying for itself — or proof that it never does PERFECT FOR • First-time buyers comparing a starter home against the stretch option before talking to any lender • Homeowners deciding whether this week's rate drop is worth the closing costs • Anyone paying extra toward principal who wants proof of the years it removes • House hunters who need a real budget ceiling before opening a listings app WHY NOT JUST USE A LENDER'S WEBSITE? Lender calculators are lead forms: they quote their own rates, ask for your phone number and hand you to sales. This is a calculator, not a funnel — your numbers, any rate you type, saved scenarios you can compare side by side, and seven short guides explaining PMI, DTI, escrow and amortization in plain language. PRIVATE BY DEFAULT Everything stays on your iPhone. Scenarios are stored on the device, nothing is uploaded, and there is no account and no tracking of your finances. PREMIUM (PURCHASE REQUIRED) Full Access unlocks the extra-payment Payoff Planner, the Refinance Break-Even planner, the complete month-by-month amortization table and unlimited saved scenarios. Available as a weekly plan, a yearly plan, or a one-time lifetime purchase. Set the price, the rate and the term — and know your real monthly payment before the lender tells you theirs. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia
Finance · iPhone, iPad, Android · Free
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