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 mortgage payment, total interest, payoff date, and break-even refinance point - instantly, fully offline, no signup, no ads.

Looking for a reliable mortgage calculator that works without internet and doesn't collect your data? HypoNavi is exactly what you need. It covers every mortgage scenario - from basic monthly payment calculation through stress-testing rate hikes after fixation, to comparing refinance offers side-by-side.

WHY HYPONAVI

- Mortgage calculator that works fully offline - no internet, no data leaves your device
- No ads, no tracking, no in-app purchases - 100% free
- Industry-standard amortization formula (annuity, any payment frequency)
- 18 currencies (USD, EUR, GBP, CHF, JPY, CZK, and more)
- Light and dark themes, colorblind-friendly chart palette
- 17 languages

WHAT HYPONAVI DOES

MORTGAGE CALCULATOR
Enter loan amount, interest rate, and term - instantly see monthly mortgage payment, total interest, and payoff date. Annuity formula with configurable frequency.

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

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

READY-MADE TEMPLATES (12+)
Pre-built mortgage 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 loan term by 5 years?"
- "What if I switch to biweekly payments?"

AUTOMATED INSIGHTS
The mortgage calculator 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
Loan balance over time, interest vs principal, cumulative interest paid - everything visualized.

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

WHO HYPONAVI IS FOR

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

FREQUENTLY ASKED QUESTIONS

Does the mortgage calculator work offline?
Yes. No internet required. Everything is computed locally on your device.

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

Is HypoNavi free?
Yes. The mortgage calculator app contains no ads and no in-app purchases.

Does it support refinancing?
Yes, including one-time fees and optional new loan term length.

Can I export the amortization schedule?
Yes - as a PDF report, CSV table, or plain text.

How accurate are the mortgage calculations?
HypoNavi uses the standard annuity formula with configurable payment frequency. Results are for planning purposes and are not financial advice.

Download HypoNavi - the mortgage calculator that respects your privacy - and see what your home loan really costs.

Recent changes:
First release - full mortgage calculator and payment planner.

- Annuity payments, amortization schedule, refinancing with fees
- 12+ ready-made mortgage scenarios (extra payments, stress tests, refi)
- Compare up to 5 mortgage scenarios side-by-side
- Loan balance, interest vs principal, cumulative-interest charts
- PDF, CSV, JSON export