HypoNavi: Mortgage Calculator

HypoNavi is a mortgage calculator and payment planner for anyone shopping for, refinancing, or paying off a home loan. Calculate your monthly payment, total interest, payoff date, and break-even refinance point - instantly, fully offline, no signup.

WHY HYPONAVI

- Works offline - no internet, no data leaves your device
- No ads, no tracking, no in-app purchases
- Industry-standard amortization (annuity formula, any frequency)
- 18 currencies (USD, EUR, GBP, CHF, JPY, CZK, and more)
- Light and dark themes, colorblind-friendly chart palette
- 17 languages

FEATURES

MORTGAGE CALCULATOR
Enter loan amount, interest rate, and term - instantly see monthly payment, total interest, and payoff date.

AMORTIZATION SCHEDULE
Detailed breakdown of every payment: how much goes to interest, how much to principal, and remaining balance. Monthly, biweekly, or weekly frequency.

SCENARIOS & SIDE-BY-SIDE COMPARISON
Save multiple scenarios and compare up to 5 at once. Pin your top 3 and apply with a single tap.

READY-MADE TEMPLATES (12+)
Pre-built scenarios for the questions everyone asks:
- "What if I pay an extra $100 / $250 / $500 a month?"
- "What if I make a lump-sum payment after one or two years?"
- "What if rates rise by 1% or 2% after fixation?" (stress test)
- "What if I refinance at -0.75% after 3 years?" (with fees)
- "What if I shorten / extend the term by 5 years?"
- "What if I switch to biweekly payments?"

AUTOMATED INSIGHTS
The app suggests where you can save - how much a rate hike would cost you, and how many years extra payments would shave off the loan.

CHARTS
Balance over time, interest vs principal, cumulative interest - everything visualized.

EXPORT & SHARE
PDF report, CSV (full amortization table), plain text, JSON backup to move data between devices.

WHO IT'S FOR

- First-time buyers - how much per month, for how long?
- Existing borrowers considering refinance or extra payments
- Anyone wanting to stress-test a rate hike after fixation ends
- Financial advisors modeling scenarios with clients
- Anyone tired of filling out bank calculator forms

FAQ

Does the app work offline?
Yes. No internet required. Everything is computed locally.

Does it collect my data?
No. No account, no telemetry, no tracking. Data stays on your device.

Are there in-app purchases?
No. The app contains no ads and no in-app purchases.

Does it support refinancing?
Yes, in