LoanAbacus: Mortgage Tools
AU · NZ · CA repayments & duty
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Track medical receipts and monitor deduction thresholds effortlessly. Core features work offline, no account required.
Buying in Australia, New Zealand or Canada? Mortgage maths is local: Canadian fixed rates compound semi-annually, Australian banks assess you 3% above your contract rate, and stamp duty brackets differ by state. LoanAbacus builds these local conventions into one calculator — in English, 日本語 and 简体中文 — that runs entirely on your phone.
Features:
- Repayments: price, deposit (amount⇄percent linked), rate, term, monthly/fortnightly/weekly — recalculated as you type; Canadian fixed rates use the statutory semi-annual compounding convention
- Stress test: see the qualifying rate banks actually assess you at (Canada
B-20, Australian serviceability buffer, editable NZ test rate) and estimate a borrowing figure from income and debts
- Upfront costs: stamp duty and first-home concessions for all 8 Australian states/territories with foreign buyer surcharges; land transfer tax for
ON/BC/AB/QC incl. Toronto municipal tax and CMHC premiums (roll into the loan); NZ shows its $0 stamp duty plus an editable fee list
- Extra repayments: per-period extras, lump sums and offset-account simulation, with the difference in interest and in the payoff date shown side by side
- Compare & report: save as many plans as you like, compare them side by side, export an A4 PDF report and a CSV schedule for family, brokers or your banker
HOW TO READ THE NUMBERS
This app does arithmetic only. **It does not give financial, tax or legal advice and does not recommend any lender, product or repayment plan.** Every figure is an on-device estimate based on publicly documented conventions and is for reference only. Assessment rates, income treatment and concession rules differ between lenders, and government rates change with budgets — **rely on the actual terms offered by your financial institution and on official government data**. A disclaimer is one tap away from every results screen.
ADS AND COST
Every calculation is open to everyone — the full schedule, lump sums and offset, unlimited plans, comparison, PDF and CSV export. Nothing is behind a paywall. A single banner sits at the bottom of the screen; a one-time purchase removes it. That purchase only hides the banner — it does not unlock anything.
No subscription, no interstitials.
PRIVACY
The prices, incomes and debts you type never leave this device; the app does not upload them. The network is used only to fetch the bottom banner ad. Ads come from Google AdMob; the app always requests non-personalised ads and never asks for ATT tracking permission.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, 丽佳 施, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 丽佳 施
- Size
- 5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 2 more
- English, Japanese, Simplified Chinese
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- Remove Ads $0.99
- Copyright
- © 2026 Lijia Shi