Your mortgage auto-splits into
principal, interest, and escrow
every month, automatically.
Connect your bank and every payment from your lender's account auto-splits into three companion transactions. Watch your mortgage balance drop in real time.
The math you shouldn't
have to do.
Your payment is the same amount every month. But the split changes every single month — and that's why spreadsheets and guesswork always fall short.
$400,000 mortgage at 7% APR, 30-year fixed. The split shifts every single month — LazeeFish computes it automatically.
How it works
in LazeeFish.
Four steps and the math never touches you again.
Everything you want to know
about your mortgage.
Current mortgage balance
Your remaining principal after each payment. Updated automatically the day each mortgage payment posts via Plaid. No guessing what you actually owe.
Principal & interest this year
Principal paid this year, interest paid this year, and total interest paid over the life of the loan. Useful at tax time and for making payoff decisions.
Projected payoff date
Based on your current balance, APR, and payment schedule. Updates whenever you make an extra payment or lump sum. See exactly when your mortgage ends.
Payment history with split
Every monthly payment listed with the exact P&I+escrow split. Scroll back to month one. Every calculation shown.
Equity built
Original loan minus current balance equals equity paid down. Add your estimated home value for a net worth snapshot that includes your home.
Add $500 extra.
See the new payoff date instantly.
Add an extra monthly payment — even just $100 — and LazeeFish recomputes your amortization and projected payoff date the moment you save it.
Got a lump sum to apply? Enter refinance proceeds, a tax refund, or an inheritance you're putting toward principal. LazeeFish treats it as a principal-only payment and rebuilds the schedule from the new lower balance.
No spreadsheet formulas. No downloading an amortization table. Just enter the amount and the math is done.
Mortgage tracker FAQ.
How does LazeeFish split my mortgage payment?
When your payment posts from Plaid, LazeeFish computes this month's interest as (current balance × APR/12), creates an interest charge transaction, and marks the remaining payment as principal reduction. Escrow is split out as a third transaction using the amount you configured.
What if my mortgage payment includes PMI?
Add your PMI amount to the escrow field — LazeeFish groups it with escrow as a holding/insurance expense separate from principal paydown. When you eventually cancel PMI, just reduce the escrow amount in your envelope settings.
Does it handle ARM mortgages?
Yes. When your rate adjusts, update the APR field in LazeeFish. Future auto-splits use the new rate. Historical splits stay accurate — LazeeFish uses the rate that was active at the time of each payment, not the current rate.
Can I track a HELOC?
Yes — set it up as a revolving debt envelope. Interest accrues on drawn balance; there's no fixed term. Update the outstanding balance as you draw and repay. LazeeFish will compute each interest charge against whatever balance is active at the time of the statement.
Is the mortgage tracker free?
Yes, completely free. No subscription, no trial, no credit card required. Mortgage tracking, auto-splitting, and payoff projections are all part of the free plan. See pricing.
The only free budget app that auto-splits your mortgage
into principal, interest, and escrow.
Set up your mortgage envelope in two minutes. LazeeFish handles the math from there — every month, forever, for free.