Mortgage Math is a free mortgage calculator for iPhone (with an optional one-time $4.99 Lender Check unlock): monthly payments, affordability with real lender ratios, refinance break-even, property analysis from public data, and a licensed-lender directory.
Where is my data stored? Only on your phone. The app has no accounts and no servers — see the privacy policy.
Why couldn't the analyzer read my listing link? Some listing sites block automated access. The app searches open sources for the same property, and when nothing allows retrieval it asks you to enter the price — it never guesses.
Are the affordability numbers a loan approval? No. They are educational estimates based on published underwriting guidelines. Actual approval always depends on a lender's full review.
Where does the lender directory come from? Featured lenders are compiled from public NMLS and BBB records; the Complete Directory lists institutions that reported mortgage activity under the Home Mortgage Disclosure Act (CFPB public data). Verify any company on NMLS Consumer Access.
The calculator, amortization, refinance analysis, affordability estimate, Listing Analyzer, and lender directory are all free. A one-time $4.99 purchase (no subscription) unlocks the full Lender Check report. There is also an optional tip jar in Settings — tips are voluntary and unlock nothing. Reinstalled or switched phones? Open Settings and tap Restore Purchases — your unlock returns at no extra cost.
Found a bug or have a feature request?