Evo Wallet - Money Tracker
-33%
$2.99
$1.99
Description
One of the most comprehensive mortgage calculators on the App Store, with an AI Advisor that understands your mortgage scenario and can help update loan fields in plain English.
Whether you're buying your first home, refinancing, or comparing different payment strategies, Mortgage Analyzer AI helps you see the full picture: monthly payment, long-term interest cost, amortization schedule, mortgage insurance, loan fees, extra payment savings, and AI-powered guidance in one place.
AI ADVISOR
• Ask complex questions about your loan in plain English
• Get answers based on your current mortgage scenario
• Describe a new loan or changes to an existing one, and the calculator can update automatically
• Set up loan program, fixed/ARM loan type, ARM settings, mortgage insurance, monthly costs, closing costs, and extra payment periods with AI assistance
• AI understands scheduled extra payments, overlapping extra payment periods, PMI/MIP/VA/USDA fees, and detailed closing cost fields
• Use Apple Intelligence on supported devices
• Optionally use your own OpenRouter API key
• The default OpenRouter AI model costs less than $0.001 per question, so a few dollars can cover thousands of questions
POWERFUL CALCULATOR
• Calculate monthly, semi-monthly, bi-weekly, and weekly payments
• Work with Conventional, FHA, VA, and USDA loan programs
• Customize PMI, FHA MIP, VA funding fee, and USDA guarantee fee rates, or use built-in defaults
• Model fixed-rate and adjustable-rate mortgages
• Configure ARM details including initial rate, fixed period, adjustment frequency, adjustment caps, rate floor, and projected maximum rate
• Support for Conventional, FHA, and VA ARM scenarios
• USDA loans remain fixed-rate only
• Use US or Canadian mortgage conventions
IMPROVED LOAN SETUP
• Cleaner Mortgage Information layout
• Loan Type is now part of the Mortgage setup flow
• Quickly switch between Fixed Rate and ARM loans
• ARM settings are kept in a focused Loan Type screen, so the main calculator stays simple
• Annual Rate is shown for fixed-rate loans, while ARM loans use Initial Rate in the ARM setup screen
• Improved calculator tab behavior with smoother transitions and better selected-tab positioning
KNOW YOUR TRUE COSTS
• See a complete payment breakdown: P&I, PMI/MIP, loan fees, taxes, insurance, HOA, and other monthly costs
• Estimate APR with points and fees included
• Review front-end and back-end DTI with approval guidance
• See when PMI is expected to drop off
• Estimate cash to close with a detailed closing cost breakdown
• Analyze discount points and breakeven timing
EXTRA PAYMENTS
• Create scheduled extra payment periods
• Model changing extra payments over the life of the loan
• Example: pay an extra $200 per payment for the first 36 payments, then $300 per payment for the next 24
• Add, edit, and delete payment periods from a simplified Extra Payments screen
• See date ranges for scheduled payment periods
• Overlapping extra payment periods are supported and combined automatically
• See how much interest you could save
• Estimate how much sooner you could pay off the loan
VISUALIZE YOUR LOAN
• Track your loan balance over time
• Compare payoff timelines with and without extra payments
• View annual principal vs. interest breakdowns
• Search the full amortization schedule by year
PERSONALIZE THE APP
• Choose from multiple color themes
• Match your system appearance or choose Light or Dark mode
SAVE & RESTORE
• Save any scenario as a file and reload it later
• Useful for comparing homes, rates, loan programs, ARM options, and payment strategies
Mortgage Analyzer AI is built for homebuyers, homeowners, real estate professionals, and anyone who wants to understand the real cost of a mortgage.
AI responses are for informational purposes only and may be inaccurate. Always verify important financial decisions with a qualified mortgage professional.
Whether you're buying your first home, refinancing, or comparing different payment strategies, Mortgage Analyzer AI helps you see the full picture: monthly payment, long-term interest cost, amortization schedule, mortgage insurance, loan fees, extra payment savings, and AI-powered guidance in one place.
AI ADVISOR
• Ask complex questions about your loan in plain English
• Get answers based on your current mortgage scenario
• Describe a new loan or changes to an existing one, and the calculator can update automatically
• Set up loan program, fixed/ARM loan type, ARM settings, mortgage insurance, monthly costs, closing costs, and extra payment periods with AI assistance
• AI understands scheduled extra payments, overlapping extra payment periods, PMI/MIP/VA/USDA fees, and detailed closing cost fields
• Use Apple Intelligence on supported devices
• Optionally use your own OpenRouter API key
• The default OpenRouter AI model costs less than $0.001 per question, so a few dollars can cover thousands of questions
POWERFUL CALCULATOR
• Calculate monthly, semi-monthly, bi-weekly, and weekly payments
• Work with Conventional, FHA, VA, and USDA loan programs
• Customize PMI, FHA MIP, VA funding fee, and USDA guarantee fee rates, or use built-in defaults
• Model fixed-rate and adjustable-rate mortgages
• Configure ARM details including initial rate, fixed period, adjustment frequency, adjustment caps, rate floor, and projected maximum rate
• Support for Conventional, FHA, and VA ARM scenarios
• USDA loans remain fixed-rate only
• Use US or Canadian mortgage conventions
IMPROVED LOAN SETUP
• Cleaner Mortgage Information layout
• Loan Type is now part of the Mortgage setup flow
• Quickly switch between Fixed Rate and ARM loans
• ARM settings are kept in a focused Loan Type screen, so the main calculator stays simple
• Annual Rate is shown for fixed-rate loans, while ARM loans use Initial Rate in the ARM setup screen
• Improved calculator tab behavior with smoother transitions and better selected-tab positioning
KNOW YOUR TRUE COSTS
• See a complete payment breakdown: P&I, PMI/MIP, loan fees, taxes, insurance, HOA, and other monthly costs
• Estimate APR with points and fees included
• Review front-end and back-end DTI with approval guidance
• See when PMI is expected to drop off
• Estimate cash to close with a detailed closing cost breakdown
• Analyze discount points and breakeven timing
EXTRA PAYMENTS
• Create scheduled extra payment periods
• Model changing extra payments over the life of the loan
• Example: pay an extra $200 per payment for the first 36 payments, then $300 per payment for the next 24
• Add, edit, and delete payment periods from a simplified Extra Payments screen
• See date ranges for scheduled payment periods
• Overlapping extra payment periods are supported and combined automatically
• See how much interest you could save
• Estimate how much sooner you could pay off the loan
VISUALIZE YOUR LOAN
• Track your loan balance over time
• Compare payoff timelines with and without extra payments
• View annual principal vs. interest breakdowns
• Search the full amortization schedule by year
PERSONALIZE THE APP
• Choose from multiple color themes
• Match your system appearance or choose Light or Dark mode
SAVE & RESTORE
• Save any scenario as a file and reload it later
• Useful for comparing homes, rates, loan programs, ARM options, and payment strategies
Mortgage Analyzer AI is built for homebuyers, homeowners, real estate professionals, and anyone who wants to understand the real cost of a mortgage.
AI responses are for informational purposes only and may be inaccurate. Always verify important financial decisions with a qualified mortgage professional.
What's new (v1.21)
• Added scheduled extra payment periods so you can model changing extra payments over time.
• Extra payments can now vary by payment range, such as $200/month for payments 1-36, then $300/month for payments 37-60.
• Overlapping extra payment periods are supported and combined automatically.
• Improved the Extra Payments screen with a simpler add/edit flow and clearer payment period summaries.
• Added payment date ranges to extra payment periods, making schedules easier to understand.
• Moved Loan Type into the Mortgage setup flow for a cleaner, more intuitive calculator layout.
• Added support for ARM setup from the Mortgage panel.
• Added ARM support for VA loans while keeping USDA loans fixed-rate only.
• Improved ARM configuration with a clearer Initial Rate field and adjustable cap settings.
• Improved Mortgage Information layout with a cleaner grouped setup section.
• Improved calculator tab behavior with centered selected tabs, smoother transitions, and better tab ordering.
• Expanded AI field support so AI can understand and update more mortgage fields, including ARM settings, extra payment periods, monthly costs, closing costs, mortgage insurance, and loan program details.
• Improved AI context awareness for extra payment schedules, overlapping periods, PMI/MIP/VA/USDA fees, and closing cost fields.
• Added and updated tests across mortgage calculations, extra payments, ARM behavior, AI parsing, and view model behavior.
• Bug fix: Chart and Amortization screens sometimes not recognizing a mortgage update
• Extra payments can now vary by payment range, such as $200/month for payments 1-36, then $300/month for payments 37-60.
• Overlapping extra payment periods are supported and combined automatically.
• Improved the Extra Payments screen with a simpler add/edit flow and clearer payment period summaries.
• Added payment date ranges to extra payment periods, making schedules easier to understand.
• Moved Loan Type into the Mortgage setup flow for a cleaner, more intuitive calculator layout.
• Added support for ARM setup from the Mortgage panel.
• Added ARM support for VA loans while keeping USDA loans fixed-rate only.
• Improved ARM configuration with a clearer Initial Rate field and adjustable cap settings.
• Improved Mortgage Information layout with a cleaner grouped setup section.
• Improved calculator tab behavior with centered selected tabs, smoother transitions, and better tab ordering.
• Expanded AI field support so AI can understand and update more mortgage fields, including ARM settings, extra payment periods, monthly costs, closing costs, mortgage insurance, and loan program details.
• Improved AI context awareness for extra payment schedules, overlapping periods, PMI/MIP/VA/USDA fees, and closing cost fields.
• Added and updated tests across mortgage calculations, extra payments, ARM behavior, AI parsing, and view model behavior.
• Bug fix: Chart and Amortization screens sometimes not recognizing a mortgage update
