See your mortgage-free date. Then move it.
Most mortgage apps show you a number and leave it there. Mortgage Meadow shows the two things that matter — what you still owe, and the date you become mortgage-free — then helps the two of you chip away at both.
Free to see where your mortgage stands. Pro from £3.99/mo, or £39/yr.
Log an overpayment — on your own or together — and watch your mortgage-free date move closer. It's a friendly game against the bank, not a spreadsheet.
The what-if overpayment calculator lets you try a regular overpayment — say an extra £100 a month — and see how many years and how much interest it could save, before you spend a penny.
Some fixed-rate mortgages charge an early repayment charge if you overpay too much. Mortgage Meadow tracks yours, so you always know whether you're free to overpay, or whether a charge would apply — and when it lifts.
Set what you plan to spend on groceries, energy, the council tax and the rest, then log your expenses as they go out. A donut shows what's left, and a separate “free to spend” figure holds back bills that haven't landed yet.
Split a joint mortgage by share between two owners and see each person's progress alongside your shared mortgage-free date. Log who paid for what, and the app works out who owes whom at the end of the month.
Moving in together? List what each of you brings — the sofa, the drill, the espresso machine — by room and by owner. Useful when two homes become one, and again when the contents insurance renews.
You sign in with your email so your figures can be backed up and picked up again on your phone. They’re encrypted on your device first, with a key we don’t hold — so we can’t read them, and nor can anyone else. There are no ads, and no bank connection: we never ask for your banking details and nothing is imported from your accounts.
Nothing is ever paid on your behalf either. The balance only moves when you say so.
Mortgage Meadow is a tracker to help you plan — it is not financial advice, and the figures it shows are estimates worked out from what you type in. Your lender’s statements are the record of your mortgage; where they differ, they are right and we are not. How we work it out sets out the model and what it deliberately leaves out.
Mortgage Meadow is provided by Charnette Ltd, which is not authorised or regulated by the Financial Conduct Authority. Nothing here is a recommendation about your mortgage. If you want one, speak to a mortgage adviser authorised by the FCA.