MortgageLab
In-app purchases
Everyone
info
10+
Downloads
About this app
"MortgageLab" is your complete mortgage intelligence toolkit — built for home buyers, investors, and anyone who wants to truly understand their mortgage before signing.
🏠 MORTGAGE CALCULATOR
Calculate your monthly payment, total interest, and full amortization schedule. Switch between monthly and bi-monthly payments to see how much you can save.
📊 DTI ANALYZER
Know your Debt-to-Income ratio before your bank does. See both front-end and back-end DTI with color-coded health indicators — Healthy, Caution, or At Risk.
🔄 SCENARIO COMPARISON
Build up to 3 mortgage scenarios side by side. Compare Dream Home vs Starter Home vs Investment Property — payments, total interest, break-even points, and more.
💡 AFFORDABILITY CALCULATOR
Enter your income and debts to instantly see how much home you can afford. Backed by standard lending guidelines.
📈 AMORTIZATION SCHEDULE
See exactly how every payment splits between principal and interest over the life of your loan. Visualize your equity growth month by month.
🔍 REFINANCE ANALYZER
Thinking of refinancing? Calculate your break-even point and total savings to decide if it's worth it.
🧠 INSIGHTS ENGINE
Deep-dive analytics including rate sensitivity, PMI impact, and FIRE (Financial Independence) analysis.
🔒 100% OFFLINE — ZERO DATA COLLECTED
"MortgageLab" never connects to the internet. Everything you enter stays on your device. No accounts. No tracking. No ads. Your financial information is completely private.
⚠️ All figures are estimates only. Always consult a licensed financial adviser or lender before making mortgage decisions.
🏠 MORTGAGE CALCULATOR
Calculate your monthly payment, total interest, and full amortization schedule. Switch between monthly and bi-monthly payments to see how much you can save.
📊 DTI ANALYZER
Know your Debt-to-Income ratio before your bank does. See both front-end and back-end DTI with color-coded health indicators — Healthy, Caution, or At Risk.
🔄 SCENARIO COMPARISON
Build up to 3 mortgage scenarios side by side. Compare Dream Home vs Starter Home vs Investment Property — payments, total interest, break-even points, and more.
💡 AFFORDABILITY CALCULATOR
Enter your income and debts to instantly see how much home you can afford. Backed by standard lending guidelines.
📈 AMORTIZATION SCHEDULE
See exactly how every payment splits between principal and interest over the life of your loan. Visualize your equity growth month by month.
🔍 REFINANCE ANALYZER
Thinking of refinancing? Calculate your break-even point and total savings to decide if it's worth it.
🧠 INSIGHTS ENGINE
Deep-dive analytics including rate sensitivity, PMI impact, and FIRE (Financial Independence) analysis.
🔒 100% OFFLINE — ZERO DATA COLLECTED
"MortgageLab" never connects to the internet. Everything you enter stays on your device. No accounts. No tracking. No ads. Your financial information is completely private.
⚠️ All figures are estimates only. Always consult a licensed financial adviser or lender before making mortgage decisions.
Mortgage Calculator — DTI, scenarios, amortization. 100% offline
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- No data collectedLearn more about how developers declare collection
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About the developer
PRUDENT CONSULTANTS LIMITED
prudentlabnz@gmail.com
261A Richardson Road,
Mount Roskill
Auckland 1041
New Zealand
+64 210 417 164
