Calculates the total cost of a mortgage given a fixed interest rate and term of loan in years. Shows how much of the cost is paid in interest. Displays the number of monthly loan payments required and years to payoff. Allows for extra monthly payments applied to principle and shows how this reduces the years to payoff the loan and less total interest paid. Can use a monthly compound interest period (typical in the US) or a semi-annual compound period (seen in Canada). Results can be sent out via text or email.