Scenario modeling
Change down payment, rate, term, taxes, insurance, and extra principal to see how affordability and payoff timing move together.
Mortgage planning on iPhone and iPad
Stress-test a mortgage before you sign it.
Mortgage Analyzer AI helps you model monthly payments, amortization, insurance, taxes, extra payments, adjustable-rate scenarios, and affordability questions in one place. The built-in AI Advisor can explain tradeoffs in plain English using your actual numbers.
Fixed and ARM loans
Extra payment modeling
Canadian compounding option
Amortization schedule
AI
Ask what happens if rates change, you add principal, or you refinance earlier.
Free
Core mortgage analysis stays available in the free app, with new features planned for everyone.
What the app covers
Principal and interest, taxes, insurance, HOA dues, PMI, upfront costs, saved scenarios, and export-ready analysis.
Built for real mortgage decisions
The app is designed for buyers who want more than a single monthly payment estimate. It helps you compare what-ifs and understand the shape of the loan over time.
Visual payoff tracking
Review amortization tables and balance charts to understand when interest costs peak and how faster repayment changes the curve.
Decision support
Use the AI Advisor to translate raw loan inputs into explanations you can act on before making a purchase or refinance decision.
Choose your AI provider
The AI feature is optional. Use Apple Intelligence on-device when available, or connect OpenRouter with your own API key to use cloud AI models.
1
Use Apple Intelligence
If your device supports Apple Intelligence, you can use private on-device AI without creating an account or adding an API key.
2
Or connect OpenRouter
Create an OpenRouter account, generate an API key, and copy it somewhere safe until you paste it into the app.
3
Choose in the app
Open the AI settings screen, choose Apple Intelligence or OpenRouter, and if you use OpenRouter paste your key there. The key stays on your device in the Keychain and is not sent to the developer.
Good questions to ask the AI Advisor
- How much interest do I save by adding $200 extra each month?
- At what point does refinancing make sense for this loan?
- How exposed am I if this ARM resets higher?
- What monthly cost is driving my payment most?
Support and privacy
Need help with a saved scenario, purchase restore, or AI setup? Use the support page for direct contact instructions and a longer troubleshooting guide.