Amortix: Mortgage Calculator

Amortix is the most complete mortgage calculator on the App Store. It doesn't just show your monthly payment — it explains every number with your exact inputs.

——— MIXED MORTGAGE: TWO TRUE PHASES ———
The only app that correctly models a mixed-rate mortgage in two distinct phases: the fixed TIN rate for the agreed years, then automatically recalculates your payment on the real outstanding balance at Euribor + spread. You'll see exactly what you'll pay in each stage — no guesswork.

——— KPI BREAKDOWN WITH YOUR REAL NUMBERS ———
Every result card has an ⓘ button that goes beyond explaining the concept — it shows a step-by-step breakdown using your exact figures. Like a financial advisor working on your specific mortgage, not a generic example.

——— PRINCIPAL VS INTEREST CHART ———
Stacked bar chart year by year showing how much of each payment builds equity and how much is interest. Instantly see when early repayment starts making financial sense.

——— WHAT YOUR CURRENT APP IS MISSING ———
• Partial amortization: compare reduce-term vs reduce-payment with real net savings
• Extra monthly payment: see how many years you cut by paying a little more each month
• Rate review simulator: model your next Euribor review and its exact impact
• Stress test: what happens if rates rise by 2, 3 or 4 percentage points?
• Full month-by-month amortization table

——— 8 COUNTRIES, REAL LEGAL COMMISSION RULES ———
Early repayment commissions calculated under each country's actual law: Spain, France (Code de la Consommation), Germany (§490 BGB), Italy (TUB Dlgs 385/1993), Brazil (Lei 9.514/1997), USA (Dodd-Frank Act), India (RBI Circular 2012), and Gulf countries.

——— NO SUBSCRIPTION ———
Full-featured free version with ads. One-time Premium unlock to remove ads forever. No monthly fees, no hidden costs.

No account. No sign-up. No cloud. Just precise financial math with your own numbers.