LoanAbacus: Mortgage Tools

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.