Mortgage Calculator: Payoff shows what your mortgage really costs each month. Enter the home price, down payment, rate and term, and the result updates as you type. It includes property tax, insurance, HOA, PMI and fees, so the figure is closer to what you actually pay. The app opens with an example, so you see a result straight away.

Then add an extra payment and see how much sooner you are mortgage-free and how much interest you keep. There is no sign-up, no account and no location access, and your numbers stay on your device. The app is available in dozens of languages, with the Material 3 design you know from the other HalSoft apps. Results are estimates for information only, and your lender’s figures may differ.

• 💰 Real monthly payment: principal and interest, plus property tax, home insurance, HOA, PMI and fees.

• ⏩ Pay off faster: extra monthly payments, one-off lump sums and yearly payments on one timeline, with rate changes combined in.

• 🎯 See what you save: the new payoff date and the interest you keep, shown as soon as you add an extra payment.

• 📉 Balance chart: your balance with and without extra payments, side by side.

• 🗓️ Full schedule: every payment with its real date, split into principal, interest and balance. Years expand into months, and you can export to CSV or PDF.

• ⚖️ Compare plans: save named plans, keep them between visits and compare several side by side.

• 🔍 Trust the numbers: “How this is calculated” shows the formula, rounding and assumptions behind every result. It supports standard, equal-principal and interest-only repayments where your country uses them, and monthly, biweekly or accelerated biweekly payments.