By MH Riley
Report updated Apr 16, 2026
Mortgage Calculator™
For homebuyers, homeowners looking to refinance, and individuals seeking to optimize their existing mortgage through early payoff strategies.
Mortgage Calculator™ is a market-leading finance app that is a paid app. With a 4.7/5 rating from 138 reviews, it delivers strong user satisfaction. Users particularly appreciate loan modeling and payoff strategies, though feature limitations remains a common concern.
What is Mortgage Calculator™?
Current Momentum
v2.8
No release notes available.
Active Nemesis
Karl's Mortgage Calculator
By Karl Jeacle
Other Rivals
Rating Pulse 🇺🇸
Recent User MoodAI-powered deep analysis surfacing high-signal insights. Still in beta, accuracy improves daily. For informational purposes only.
What makes this app unique?
What Does It Look Like?
How Is The App's Momentum Right Now?
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What Are The Key Features?
Allows users to simulate various mortgage scenarios, including extra payments, to visualize long-term savings.
Enables side-by-side comparison of up to 4 different mortgage deals.
Specific support for Adjustable Rate Mortgages (ARM) including 3/1, 5/1, and 7/1 structures.
Provides a detailed monthly breakdown of costs, including principal, interest, tax, insurance, and PMI.
How much does it cost?
- iOS version: One-time purchase of $1.99
- Android version: Free (ad-supported or basic utility)
The app uses a premium one-time purchase model on iOS to signal professional quality, while using a free model on Android to capture a broader, less specialized audience.
Who Built It?
MH Riley
Providing utility-focused financial tools and niche lifestyle applications for users seeking manual control over their data.
Portfolio
11
Apps
Who is MH Riley?
MH Riley Ltd maintains a defensible position by prioritizing manual data entry and privacy over the automated bank-syncing models favored by larger fintech incumbents. This structural choice serves a loyal user base that values financial discipline through active engagement rather than passive monitoring. While the portfolio is diversifying into education and communication, the core business remains anchored in long-standing utilities that maintain high sentiment despite a shift toward maintenance-mode for legacy titles.
Who is MH Riley for?
- Privacy-conscious individuals
- Small business owners seeking manual financial management
- Specialized religious or educational utilities
Portfolio momentum
Released 4 updates across the portfolio in the last 6 months, maintaining a 50% active app ratio.
What other apps does MH Riley make?
What do users think recently?
High confidence · 49 reviews analyzed
How did the latest release land?
What is the recent mood?
Recent user voice shows a thrilled sentiment. Users appreciate loan modeling and payoff strategies and accuracy and utility, but report feature limitations and calculation/logic issues.
Limited review volume (49 reviews). Sentiment analysis will deepen as more data lands.
What is the competitive landscape for Mortgage Calculator™?
How's The Finance Market?
How does it evolve in the Finance market?
| Country | Category | Chart | Rank | Change |
|---|---|---|---|---|
| 🇺🇬 Uganda | Finance | iOSPaid | #28 | |
| 🇮🇸 Iceland | Finance | iOSPaid | #98 | NEW |
The rivals identified
The Nemesis
Karl's Mortgage Calculator
★4.4 (7.1K)Karl Jeacle
📈The most direct rival offering identical 'what-if' scenario modeling, extra payment impact analysis, and detailed amortization graphs.
Head-to-head analysis pending — refresh this report for a detailed comparison.
Contenders
Neighborhood Heat Maps
What Locals Say
Rocket Mortgage
★4.9 (165.7K)Rocket Mortgage, LLC
⚡The primary commercial alternative for users looking to transition from calculation to actual loan application.
NerdWallet: Smart Money App
★4.8 (122.9K)NerdWallet
⚡Offers high-trust mortgage comparison tools and calculators focused on the 'True Cost' of homeownership.
Peers
Approval Odds
Credit Spark
Rocket Money
Rocketmoney
Helps homeowners manage their existing mortgage payments and overall financial health.
HP 12c Financial Calculator
★4.2 (300)MORAVIA Consulting, spol. s r.o.
🚀The professional standard for real estate agents and brokers performing manual mortgage math.
The outtake for Mortgage Calculator™
Strengths to defend, gaps to attack
Core Strengths
- Advanced 'What-If' modeling for extra payments
- High calculation accuracy and user trust
- Support for complex ARM loan structures
- Multi-loan side-by-side comparison
Critical Frictions
- No cross-platform data synchronization
- Infrequent update cycle (last updated 2021)
- Lack of bi-weekly payment frequency support
- Minor UI bugs in tax input logic
Growth Levers
- Modernize UI to compete with newer 'Payoff Planner' apps
- Introduce real-time interest rate integration
- Expand into home equity tracking and refinance alerts
Market Threats
- Free integrated calculators from Zillow and Redfin
- Modern niche competitors with superior UX
- Declining visibility in Paid Finance charts
Key Takeaways
Mortgage Calculator™ is a market-leading finance app that is a paid app. With a 4.7/5 rating from 138 reviews, it delivers strong user satisfaction. Users particularly appreciate loan modeling and payoff strategies, though feature limitations remains a common concern.
Where Is It Heading?
Trend analysis
Available very soon