Mortgage Pilot

Mortgage Pilot is a mortgage calculator, refinance calculator, and amortization tracker that gives homeowners a clear month-by-month view of a loan from origination to payoff. It helps you plan mortgages, compare refinance scenarios, estimate savings from extra payments, and visualize how principal, interest, escrow, PMI, loan balance, and home equity change over time. Mortgage Pilot keeps your data local, does not require an account, and supports import and export of amortization schedules and disclosure documents to aid decision making.

Key Features

A mortgage calculator that produces detailed amortization schedules and a monthly breakdown of principal, interest, escrow, PMI, balance, and equity.

A refinance calculator that presents side-by-side comparisons to evaluate new loan options and potential savings.

An extra payment calculator to model one-time or recurring additional payments and estimate interest savings and earlier payoff dates.

Payoff planning tools that track loan balance and projected payoff across the life of the mortgage.

Home equity tracking plus escrow and PMI management so you can see how ownership stake evolves over time.

Import of supported mortgage disclosure documents and export of amortization schedules to PDF or Excel; local-first design with no account required.

Advantages

Clear month-by-month visibility into how payments affect principal, interest, and equity.

Fast side-by-side refinance comparisons to help you decide whether refinancing makes financial sense.

Mortgage Pilot's privacy-focused local-first approach keeps your mortgage data on your device and avoids uploading sensitive information to servers.

Import and export support makes it easy to keep records or share schedules with advisors in PDF or Excel formats.

Disadvantages

No cloud sync or automatic backups: data is stored locally, so moving between devices requires manual transfer.

No account or server-side storage, which limits automatic multi-device syncing and collaborative access.

Mortgage Pilot is designed for homeowners and advisors who want straightforward, private tools to model loans, test extra payments, and weigh refinance options.