Comparison
Best Free Loan & Mortgage Tracker
Compare the ways to keep track of a mortgage or a loan — a spreadsheet, a budgeting app that shows one balance, a calculator app, or CalculatorAI's Loan & Mortgage Tracker, which follows your loan against its own contract and every payment you actually make.
CalculatorAI
Loan & Mortgage Tracker
Your real payments followed against the contract — early, late, extra or missed — not a table where nothing ever changes
Extra payments with the choice your bank actually makes: a shorter term or a lower payment, and the interest it saved
Annuity, equal-principal and interest-only loans, with monthly, daily or Canadian interest — the loan as your contract writes it
Escrow, PMI and equity in one view, with the date mortgage insurance has to stop
What a loan tracker has to get right
Real payments against the schedule
Every payment is matched to its due date, even a few days early or late. With autopay on, you log only what differs; with it off, a missed payment is flagged and its interest keeps adding up — the way the bank counts it.
Extra payments: shorter term or lower payment
Tell it what your bank did with an overpayment and see the interest saved and the months cut — on your real balance, not on a fresh table.
Any loan the way the contract says
Same payment (annuity), equal principal (a falling payment), interest only; interest by a monthly rate, by actual days (365, 360 or 365/366) or Canadian semi-annual compounding; interest-only years, deferment and a balloon.
Escrow, PMI and your equity
Taxes, insurance and PMI ride along with each payment without touching the balance. See your equity and loan-to-value, the date PMI must stop (78%) and when you can ask to drop it (80%).
Variable rates and refinancing
Log each rate change and whether the bank re-spread the payment or moved the end date. Check a refinance: the new payment, the money saved overall and how long the closing costs take to pay back.
What the loan really costs
The true yearly cost with fees and insurance (APR and effective rate), the interest per calendar year for tax time, and your bank's statement balance to keep everything in line.
Your overpayment plan
Save what you mean to pay on top — each month, or a bonus on a date. The payoff date follows it everywhere, planned is kept apart from paid, and a date you choose tells you the extra it takes.
Tax deduction, offers and rate rises
An estimate of the tax refund (Russia's interest and purchase deduction, US mortgage interest), up to three offers compared by their real cost with fees, and what a rate rise or the end of a fixed deal would do to the payment.
Import and print
Bring a payment history in from your bank's CSV export for free, or from a photo or PDF of a statement (Pro), and print the schedule as a PDF laid out like the bank's.
AI Assistant
Ask about your loan in plain words
The site assistant reads the same loans the tracker shows — balances, the next payment, the interest saved, the payoff dates — and answers with your numbers. Tell it about a payment and the form opens filled in for you to save.
What it helps with
Answer 'how much do I still owe?', 'when is it paid off?' and 'how much have my extra payments saved?' from your own loans.
Explain a payment: how much went to interest and how much to principal, and why.
Work out what paying more, a lump sum or a refinance would do — the same planner the tracker uses.
Log a payment or add a loan from one sentence — the form opens filled for you to save.
CalculatorAI Copilot
Loan assistant
Owed
$413,900
Interest saved
$58,490
Debt-free
2051
Live Product Preview
One loan, read against its contract
What is left to pay, where the next payment goes — principal, interest, escrow — the payoff date against the contract, and what your overpayment plan saves.
Comparison Table
| CalculatorAI | Spreadsheet | Loan & budget apps | |
|---|---|---|---|
| Amortization schedule from the contract | Formulas needed | Partial | |
| Real payments logged against the schedule (early, late, missed) | Manual | Rarely | |
| Extra payments: shorter term or lower payment | Formulas needed | Rarely | |
| Equal-principal (falling) payments | Formulas needed | Rarely | |
| Daily interest, 360/365/actual and Canadian compounding | Formulas needed | Rarely | |
| Variable-rate history with payment re-spread | Manual | Partial | |
| Interest-only years, deferment and a balloon | Formulas needed | Rarely | |
| Escrow, PMI and fees inside each payment | Manual | Partial | |
| PMI stop date (78% / 80% of the original value) | Rarely | ||
| Home equity and loan-to-value | Manual | ||
| Overpayment allowance and early-repayment charges | Manual | Rarely | |
| Bank's statement balance — follows it and shows the difference | Manual | Bank sync | |
| Read a statement, contract or payment history from a photo or PDF | Pro | Rarely | |
| What-if: extra each month or a lump sum | Formulas needed | Partial | |
| Refinance break-even | Formulas needed | Rarely | |
| True yearly cost with fees (APR) | Formulas needed | Rarely | |
| Interest by calendar year | Manual | Partial | |
| Import a payment history from CSV (your bank's export) | Manual | Rarely | |
| The schedule as a PDF, like the bank's | Manual | Rarely | |
| A saved overpayment plan: monthly extra and future lump sums | Formulas needed | Rarely | |
| “Paid off by a date”: the extra it takes | Formulas needed | Rarely | |
| Tax deduction estimate (Russia; US mortgage interest) | Manual | Rarely | |
| Compare loan offers including fees | Formulas needed | Partial | |
| Rate-rise stress test and fixed-rate end reminder | Formulas needed | Rarely | |
| Which loan to pay ahead first | Formulas needed | Partial | |
| Shared with a co-borrower | Partial | Partial | |
| Automatic sync with your lender | |||
| Unlimited loans, free, no ads | Paid plans |
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Where CalculatorAI Wins
- Your real payments followed against the contract — early, late, extra or missed — not a table where nothing ever changes
- Extra payments with the choice your bank actually makes: a shorter term or a lower payment, and the interest it saved
- Annuity, equal-principal and interest-only loans, with monthly, daily or Canadian interest — the loan as your contract writes it
- Escrow, PMI and equity in one view, with the date mortgage insurance has to stop
- Variable rates, a refinance check with the break-even, and the true yearly cost including fees
- A saved overpayment plan, a payoff date you choose, offers compared with fees and a rate-rise stress test
- Unlimited loans and payments free — no card, no ads; CSV export of everything on every plan
Considerations & Limitations
- No automatic sync with your bank or lender — you enter the loan once and log what differs from the schedule; a statement balance keeps it in line
- The schedule is an estimate from the contract you enter; your lender's statement is the official figure
- Tax deduction is an estimate for Russian and US mortgages only and not tax advice; elsewhere it gives the interest per calendar year
- Native phone app — in development; for now it runs in the browser and installs from it as an app
Frequently Asked Questions
Everything you need to know about following a loan, extra payments, PMI, variable rates and what the tracker does and does not do.
01What is the best free loan or mortgage tracker?
02How does it compare with Monarch, Copilot, YNAB, Quicken and mortgage apps?
03How much do extra payments on a mortgage save?
04When does PMI stop?
05Does it work outside the United States?
06Can it connect to my bank?
07Can I import my payment history?
See your loan the way your bank should show it
Open the tracker and look at the example: a 30-year mortgage with escrow, PMI and a few extra payments, a car loan with daily interest and one late payment, and a variable-rate home equity line. Your own loan replaces it the moment you add it.
Guides
How-to guides that use this tool