Your home. Your rentals. Every loan.
Most money apps stop at your home's value. Notch tracks equity, mortgages and rental cash flow, with separate views for the home you live in and the properties you invest in.
Homeowners, house hackers and landlords.
Homeowners
See your equity grow, the true monthly cost of owning, and what paying extra would save.
House hackers
Live in one unit and rent the others? Track the rent, the costs and the cash flow without a spreadsheet.
Small landlords
One door or ten: rent collected, cap rate, cash-on-cash return and a yearly profit and loss, across every property.
Two kinds of property, two kinds of views.
Switch between View all, Personal and Investments. Your home and your rentals answer different questions, so Notch shows them differently.
- Personal: equity, true monthly cost, homeowner checklist
- Investments: rent, cash flow, cap rate, profit and loss
- View all: everything, together in your net worth
Every payment, broken down.
See exactly how much of each payment goes to principal, interest and escrow, when you'll be mortgage-free, and what an extra payment each month would save.
- Principal, interest and escrow on every payment
- Pay-extra slider: new payoff date and interest saved
- Balance, rate and payoff date that match your lender
Upload a statement. Notch fills it in.
Upload a mortgage statement or closing disclosure, as a PDF or a photo, and Notch reads the balance, rate, term, payment and escrow for you to check and save.
- Works with statements and closing disclosures
- PDF or a photo of the page
- Documents aren't kept after they're read
Know what each door really earns.
Rent collected, vacancy, repairs, taxes and the mortgage, rolled into a clear monthly cash flow and a yearly profit and loss you can hand your accountant.
- Unit-by-unit rent, and who's paid this month
- Cap rate and cash-on-cash return
- Yearly profit and loss for tax time
Investor math, in plain English.
What the property is worth minus what you still owe. It grows as you pay down the loan and as values rise.
A year of net operating income divided by the property's value. A quick way to compare properties.
A year of cash flow divided by the cash you put in. What your money is actually earning.
Net operating income: rent minus operating costs, before the mortgage.
Buying or selling? See it first.
Add "buy a home" or "sell a home" to your plan and watch how it changes your future, from the down payment to where the equity goes when you sell.
Real Estate questions, answered.
Do I have to connect my mortgage?
No. Connect it through your lender if it's supported, enter it yourself, or upload a statement and let Notch fill it in.
How does Notch know what my property is worth?
You set the value and can update it anytime, for example from an appraisal or a recent comparable sale.
How many properties can I track?
As many as you own. Every plan includes unlimited properties.
How does Notch know which money is rent?
Tag rental income and property expenses to a property, or enter the expected monthly rent. Notch does the math from there.
Is this tax advice?
No. The yearly profit and loss is a helpful summary for your accountant. It doesn't include depreciation, and it isn't tax advice.
Your properties, finally in one place.
Seven days of Notch Pro free. Unlimited properties, rentals included.