# FixOrFloat: Mortgage Optimiser — Stop Loyalty Penalty & Save

> Stop Loyalty Penalty & Save (iPhone/iPad app by DAOx.)

- Source: https://appshunter.io/ios/app/fixorfloat/id6756836174 (this page in markdown: same URL + `.md`)
- Developer: [DAOx](https://appshunter.io/developer/1863147844)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 5 MB
- Languages: American English
- Released: 2025-12-26
- Data updated: 2026-02-23
- User reviews in markdown: https://appshunter.io/ios/app/fixorfloat/id6756836174/reviews.md

## What is FixOrFloat?

The Mortgage Decision Engine for Australian Investors.

Stop guessing. FixOrFloat quantifies the opportunity cost of your Australian mortgage structure in seconds. Most calculators sell loans; this one optimizes them.

KEY FEATURES:
Offset Shield: Visualise the true cash value of your offset account vs. a fixed rate.

Break Analysis: Instantly calculate if breaking your contract yields a net profit, factoring in estimated ERA costs.

Loyalty Alert: Quantify the "Lazy Penalty" you pay compared to market-leading rates.

Rate Modelling: Stress-test your position against future RBA rate shifts.

PRIVACY FIRST 100% on-device processing. We never store your loan balance, rates, or offset details.

DISCLAIMER: General calculation scenarios only. Not financial advice or an offer of credit. Consult a qualified broker before refinancing.


## Version history (last 1 release)

### 1.0 — 2025-12-26

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-02-23.*