MtgCalc: Mortgage Calculator

The Mortgage Calculator app is a powerful and user-friendly tool designed to help homebuyers, real estate professionals, and financial planners easily calculate and analyze mortgage payments. Built with SwiftUI for iOS, this app offers a sleek, intuitive interface that provides real-time calculations and comprehensive mortgage information at your fingertips.
Key Features:

Interactive Calculator:


• Input loan amount, interest rate, and loan term

• Real-time calculation of monthly payments
• Additional costs (taxes, insurance) can be factored in
• Dynamic updates as you type for instant feedback


Flexible Loan Terms:
• Choose from 15, 20, 30, or 40-year loan terms
• Easily compare different scenarios


Amortization Schedule:
• Detailed breakdown of payments over the life of the loan
• View principal and interest allocation for each payment
• Toggle between monthly and yearly views


Calculation History:
• Save and review previous calculations
• Helps track different scenarios or property options
• Calculations are stored only when finalized, ensuring meaningful history


Modern UI Design:
• Sleek gradient background for visual appeal
• Clear, easy-to-read text and input fields
• Responsive layout adapts to different device sizes


User-Friendly Input:
• Numeric keypad for easy data entry
• "Done" button to dismiss keyboard and save calculations
• Clear labeling and intuitive field arrangement


SwiftData Integration:
• Efficient data storage and retrieval
• Seamless persistence of calculation history

Technical Highlights:

Built with SwiftUI for a modern, reactive user interface
Utilizes SwiftData for robust data management
Implements MVVM (Model-View-ViewModel) architecture for clean code organization
Responsive design adapts to various iOS devices
Efficient calculation algorithms for quick results

The app's main view (CalculatorView) offers a straightforward interface where users can input their mortgage details. As they type, the monthly payment updates in real-time, providing instant feedback. The "Done" button not only dismisses the keyboard but also saves the current calculation to the history, ensuring that only finalized calculations are stored.


The AmortizationView provides a detailed look at how the loan will be paid off over time. Users can toggle between monthly and yearly views, giving them flexibility in how they analyze their mortgage. This view uses SwiftUI's List and ForEach constructs to efficiently display large amounts of data.


The HistoryView allows users to review their past calculations, leveraging SwiftData to manage and display the saved data. This feature is particularly useful for comparing different scenarios or keeping track of various property options during the home-buying process.


The InfoView serves as an educational resource, offering explanations of common mortgage terms and concepts. This helps users make more informed decisions about their mortgages.


All of these views are brought together in the ContentView, which uses a TabView to provide easy navigation between the calculator, amortization schedule, history, and information sections.


The app's use of SwiftUI and SwiftData showcases modern iOS development practices, resulting in a smooth, responsive user experience. The MVVM architecture ensures that the code is well-organized and maintainable, making it easier to add new features or modify existing ones in the future.


Whether you're a first-time homebuyer trying to understand your mortgage options, a real estate professional helping clients make informed decisions, or a homeowner considering refinancing, this Mortgage Calculator app provides the tools and information you need to make sound financial decisions. Its combination of powerful features, user-friendly design, and educational content makes it an invaluable resource in the complex world of mortgage finance.