Mortgage Monitor is a free tool that helps homeowners track their mortgage payments, plan overpayments, and see exactly when they'll be mortgage-free. It was built because we believe every homeowner deserves clarity on the biggest financial commitment of their life — without needing to hand over bank credentials or sign up for anything.
Your data never leaves your browser. No server, no database, no sign-up. Everything is stored locally and you are in complete control.
Not just a calculator. A live dashboard where you can drag payments, plan recurring overpayments, and see the impact in real time.
24 countries supported with local currencies and estimated average mortgage rates. Whether you are in the UK, US, EU, or beyond.
No ads, no premium tier, no hidden fees. We believe financial tools for homeowners should be accessible to everyone.
Mortgage Monitor is made by QwertyBit SRL, a company focused on building useful, privacy-first tools. We built this because we were tracking our own mortgage in a spreadsheet and thought: there has to be a better way.
Enter your mortgage details (loan amount, interest rate, monthly payment, term). The app calculates your full amortization schedule and shows you when you'll be mortgage-free. Then add overpayments — one-off or recurring — and watch the charts, balance, and payoff date update in real time. Every number is computed locally in your browser. Nothing is sent anywhere.
Questions or feedback? hello@qwertybit.com