BC Mortgage Calculator

A mortgage calculator that shows the whole loan — not just one number.

BC Mortgage Calculator estimates your monthly payment, builds a month-by-month amortization schedule, and explains where your money goes over the life of the loan. Everything runs on your device, with no account and no ads.

SEE YOUR PAYMENT INSTANTLY
Enter the property value and down payment, and the loan amount and estimated monthly payment update as you type. Add annual property tax, home insurance and HOA dues to see your full monthly cost, including escrow.

MODEL THE LOAN YOUR WAY
• Down payment as a percentage or an amount
• Automatic loan amount, with an optional manual principal override
• Interest rate, term in years and extra months, and first payment month
• Loan length and payoff date at a glance

PAY OFF SOONER
Add monthly, annual or one-time extra principal and see the impact immediately: interest saved, payments removed, and how much earlier the loan is paid off.

EVERY PAYMENT, YEAR BY YEAR
The Schedule tab lists each payment with principal, interest and remaining balance, grouped by year, with extra-principal rows highlighted.

KNOW WHERE THE MONEY GOES
Insights breaks the loan into principal, interest and taxes and fees, charts the remaining balance over time, and summarizes total cost and payoff date.

MADE TO FIT YOU
• Light, dark or system theme
• Any currency, custom symbol and several amount formats
• Optional haptic feedback
• Works completely offline

GOOD TO KNOW
Figures are estimates for planning. They do not include PMI, closing costs or lender fees, and actual payments may differ. The app is a calculator, not financial advice, and does not connect to a lender.

No accounts. No ads. No data collection. Everything you enter stays on your device.