Take control of your mortgage — understand every dollar, plan every move. A personal finance app built for homeowners who want clarity on their mortgage, not just a monthly payment number.
🔒 No account required • All data stored privately on your device
Refi Helper
iOS 13+ • Android 6.0+
Most homeowners know their monthly payment. Few know their real interest cost, when their PMI disappears, whether renting their property makes financial sense, or exactly how much they would save by refinancing today.
Refi Helper gives you all of that — across as many properties as you own or manage — from a single app on your phone. Track balances, run what-if scenarios, compare refinance rates pulled live from the Federal Reserve, and see your full amortization schedule in an interactive chart. All without creating an account.
Every number stays on your device, encrypted and private. No cloud sync, no data collection, no subscription required.
Eight powerful tools — all working from the same property data you enter once.
Add as many properties as you own or manage. Each gets its own full dashboard: current balance, interest rate, monthly breakdown of principal, interest, taxes, insurance, and PMI, plus LTV ratio and a live estimated value you control.
See the complete amortization schedule for your loan, month by month. An interactive chart shows cumulative principal paid, cumulative interest, and remaining balance over time. Tap any point to see exact values, payoff date, and total interest cost.
Enter a new interest rate — pulled automatically from the Federal Reserve (FRED) or typed manually — and instantly see your new monthly payment, break-even point, total 5-year savings, and lifetime interest savings. Make the decision with numbers, not guesswork.
Use the slider to try different extra monthly payment amounts. The app recalculates your payoff date and total interest in real time — showing you exactly how many months you cut off and how much interest you save by paying a little more each month.
Not sure whether to pay down your mortgage faster or invest the extra cash? This screen compares the guaranteed interest savings from extra principal payments against the projected future value of investing the same amount — configurable return rate included.
Thinking about renting your property? Enter expected rent, taxes, insurance, and maintenance. The app calculates monthly net income, annual yield, and gives a clear recommendation on whether renting looks favorable based on your numbers.
Detailed LTV progress bar, projected PMI removal date, total PMI remaining, and personalized advice based on your loan age and the Homeowners Protection Act — including when you can legally request early PMI cancellation based on appreciation.
Keep your property value current. Fetch an automated valuation from RentCast or enter a value manually. The history is saved and graphed, and the new value immediately updates your LTV, PMI analysis, and loan summary across the app.
Set a target interest rate for any property. When market rates drop below your threshold, you get a local notification — so you never miss a refinancing window while you are focused on other things.
Refi Helper stores all data locally on your device using an encrypted SQLite database. There is no account to create, no cloud sync, and no data collection of any kind. Your mortgage details, property values, and financial scenarios are yours — and only yours.
The app works fully offline. Live data integrations — Federal Reserve mortgage rates and RentCast property valuations — are optional and require free API keys from their respective providers. If you prefer to enter everything manually, you can.
Refi Helper can pull real-time data from two trusted sources using free API keys. Both are fully optional — the app works completely offline with manual entries.
Current 30-year and 15-year fixed mortgage rates, pulled directly from the Federal Reserve's public data API. Free API key available at fred.stlouisfed.org.
Automated property valuations for accurate LTV and PMI calculations. Free API key from rentcast.io — 50 requests per month on the free tier, enough for regular tracking of your properties.
Whether you own one home or a small portfolio, Refi Helper gives you the clarity to make smarter decisions about the biggest financial commitment most people ever make.
No account. No subscription. Just install and start adding your properties.
Available on iOS 13.0+ and Android 6.0+. No account or sign-up required.
Enter your loan details once — balance, rate, term, taxes, insurance. Everything else is calculated automatically.
Run refinance comparisons, model extra payments, check PMI, analyze rental potential — all from one place, any time.