--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Mortgage Calculator IQ" developer_entity: "Curayt, LLC" bundle_id: "mpn41399.Mortgage-Calculator" app_store_id: "6748889572" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-04-10" report_date: "2026-09-22" last_verified: "2026-09-22T00:00:00.000Z" report_version: "2.0.0" total_reviews: 1 overall_rating: 5 confidence: "low" confidence_score: 0.2 data_age_days: 9 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "homeowners,", "estate", "agents,"] canonical_url: "https://marlvel.ai/apps/mortgage-calculator-iq" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Mortgage Calculator IQ Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 > **TL;DR:** Mortgage Calculator IQ is a finance app by Curayt, LLC, rated 5/5 by 1 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Mortgage Calculator IQ is a finance app by Curayt, LLC. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (1 review) | | **Category** | Finance | | **Developer** | Curayt, LLC | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 9d | ## Metadata & Market Performance - **Publisher:** Curayt, LLC - **Category:** Finance - **Target Audience:** Homeowners, real estate agents, and finance students requiring a multi-purpose tool for loan, investment, and unit conversions. - **Platforms:** iOS - **Version Reviewed:** 2.0.0 - **Report Date:** 2026-09-22 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 6748889572 - **Bundle ID:** mpn41399.Mortgage-Calculator - **Data Window:** Analysis based on signals collected up to 2026-09-22 ## Executive Snapshot **What it is:** Mortgage Calculator IQ is a multi-purpose financial toolkit for iOS that provides 13 calculators for loans, investments, and unit conversions. **Why users hire it:** It removes the friction of switching between multiple single-purpose apps for complex financial tasks like IRR/NPV analysis and bond pricing. ## App DNA (Features & Intent) - **[Standard] Financial Calculator Hub:** Centralized access to 13 distinct calculators including IRR/NPV, TVM, and bond analysis. - **[Differentiator] Scientific Graphing Calculator:** Plotting tool for equations with a full keypad, expanding utility into academic use cases. - **[Standard] Saved Calculations:** Persistent storage for calculations with custom labels and icons, increasing switching costs. * *User Intent:* Users value self-expression and personalized experiences. ## Market Position {#market-position} Mortgage Calculator IQ targets the professional utility segment with a 5-star rating on the App Store. The lack of updates since April 2026 signals a maintenance-mode posture that risks losing ground to more frequently updated financial suites. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access to all 13 calculators - **Analysis:** The app is currently offered as a free utility with no visible subscription or IAP gates, relying on ad inventory. ## SWOT Analysis {#swot} **Core Strengths:** - Centralized 13-calculator hub increases switching costs - Scientific graphing tool differentiates from mortgage-only rivals **Growth Levers:** - Introduce ad-free subscription tiers for professional users ## What's New - **Latest (v2.0.0, 5 months ago):** Expanded from a mortgage calculator to a financial toolkit with 13 new tools including IRR/NPV, bond, and scientific graphing calculators, plus a centralized hub and saved calculation management. ## App Momentum (Maintenance) {#momentum} - Quiet 5 months, maintenance mode only. - Last major release April 2026. > **Cadence:** 1 total versions · 1 majors in last 6 months · 164 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Mortgage Calculator IQ is a finance app that is completely free. It holds a 5/5 rating from 1 review. > **Bottom Line:** Mortgage Calculator IQ provides high-utility financial tools, but the current maintenance-mode cadence leaves the product vulnerable to more active rivals. Prioritizing a monetization path would secure the revenue needed to support future feature development. **Best for:** Homeowners, real estate agents, and finance students requiring a multi-purpose tool for loan, investment, and unit conversions. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit stability because the app has been in maintenance mode for 5 months → maintain 5-star rating ### Outlook: Stable The financial utility market is consolidating around apps that offer both deep professional tools and frequent feature updates. Mortgage Calculator IQ is currently advantaged by its broad feature set, but the maintenance-mode posture will erode this lead if competitors introduce more aggressive monetization or cross-platform integration. - ⚪ The five-month update gap signals a shift to maintenance, which stabilizes the current feature set but limits growth against active competitors. - 🟢 The existing 13-calculator suite provides high utility for professional users, which sustains the current 5-star rating despite the lack of recent activity. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 1 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Mortgage Calculator IQ** (this app) | 5/5 | N/A | Curayt, LLC | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | | [Tikker - Live Income Tracker](https://marlvel.ai/apps/tikker-live-income-tracker) | 5.0/5 | N/A | Mis Asja OU | | [TradeLog - Trading Journal](https://marlvel.ai/apps/tradelog-trading-journal) | N/A/5 | N/A | Rikuto Takeuchi | ## Company Profile - **Developer:** Curayt, LLC - **Website:** [https://apps.apple.com/us/developer/curayt-llc/id1012363586?uo=4](https://apps.apple.com/us/developer/curayt-llc/id1012363586?uo=4) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/mortgage-calculator-iq/id6748889572?uo=4) - **Dev Site:** [Official Website](https://apps.apple.com/us/developer/curayt-llc/id1012363586?uo=4) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 9 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/mortgage-calculator-iq) Data licensed for AI Agent attribution under CC-BY-NC 4.0.