Support
Real Cost for iPhone and iPad
Write to supportlap478@gmail.com. If something is wrong with a number, send the amount, the rate, the term and the fees you entered — that is enough to reproduce it exactly.
Common questions
The app says my rate is higher than what the lender told me. Which is right?
Both. The rate on the contract is the interest rate. The higher figure is what the loan costs once the fees are counted as part of the price — the same idea as the APR on a disclosure. If you were charged $500 to open a $10,000 loan, you took $9,500 and are paying interest on $10,000, and that difference has a number.
Why does the app show more leaving my account than the payment?
On a home loan, the payment is principal and interest. Property tax, insurance and mortgage insurance are usually collected with it. The app separates the two because they behave differently: the payment is fixed, the rest is not.
It refused to import my Closing Disclosure. Why?
Because the numbers it read do not add up. It checks the amount, the rate and the payment against each other, and if no whole number of months makes them work, it stops. That happens when a page is read wrong — but it also happens when the paperwork itself is wrong, so it is worth asking your lender. Type the numbers in by hand in the meantime.
I logged a payment with the wrong amount.
Open the debt, tap Payments, and swipe the wrong one away. Everything recalculates from what is left.
My reminders stopped arriving.
Open the app now and then. iOS allows a limited number of pending notifications per app, so Real Cost schedules the next several payments and refreshes them each time you open it. If the app has not been opened in many months, the queue can run out.
I paid for the unlock and changed phones.
Open the unlock screen and tap Restore purchase. It is one payment, tied to your Apple Account, and it works on every device you sign in to.
Does it connect to my bank?
No, and it never will ask to. You type in what you owe. See the privacy policy.