Truecost - Mortgage Calculator
True Cost of Homeownership
Free · Designed for iPad. Not verified for macOS.
Calculate your real mortgage payment with taxes, insurance, PMI & HOA included. No login required. No spam. Just the truth about your home loan.
TrueCost shows you the COMPLETE cost of your mortgage — not just principal and interest, but property taxes, home insurance, PMI, and HOA fees too.
THE PROBLEM WITH OTHER CALCULATORS
Most mortgage calculators show you a low monthly payment that doesn't reflect reality. When you get to closing, you're shocked by the true cost. TrueCost fixes this by showing you everything upfront.
WHAT MAKES TRUECOST DIFFERENT
- TRUE TOTAL COST
See your real monthly payment with all costs included: Principal, Interest, Taxes, Insurance, PMI, and HOA (PITI + HOA).
- NO LOGIN REQUIRED
Full functionality without creating an account. Your data stays on your device.
- NO SPAM
We never sell your information or connect you to lenders. Privacy first, always.
- BEAUTIFUL DESIGN
Modern, intuitive interface with smooth sliders and real-time calculations. Supports dark mode.
POWERFUL FEATURES
- Interactive payment breakdown chart
- Complete amortization schedule — see every payment for the life of your loan
- Save and compare multiple scenarios
- Extra payment analysis — see how much you save by paying extra
- Payback ratio — understand exactly how much you pay for every dollar borrowed
EDUCATIONAL TOOLS
- Mortgage Glossary: Learn terms like PMI, APR, escrow, amortization, and more
- Home Buying Guide: Step-by-step walkthrough of the buying process
PERFECT FOR
- First-time home buyers exploring their budget
- Homeowners considering refinancing
- Real estate agents showing scenarios to clients
- Anyone comparing different loan options
LANGUAGE SUPPORT
- English
- Spanish (Español)
Download TrueCost now and discover what you'll really pay for your dream home.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
The developer, Elias Sierra, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Elias Sierra
- Size
- 78.9 MB
- Category
- Finance
- Compatibility
Requires iOS 12.0 or later.
- iPhone
Requires iOS 12.0 or later. - iPad
Requires iPadOS 12.0 or later. - iPod touch
Requires iOS 12.0 or later. - Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Sierra Digital Holdings LLC. All rights reserved.