--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Mortgage Calculator Mobile" developer_entity: "Dirk Kerpen" bundle_id: "de.mindsoft.mortgageCalc" app_store_id: "1179718405" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2024-10-16" report_date: "2026-08-19" last_verified: "2026-08-19T00:00:00.000Z" report_version: "2.7" total_reviews: 3 overall_rating: 5 confidence: "low" confidence_score: 0.05 data_age_days: 88 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "homebuyers", "estate", "professionals"] canonical_url: "https://marlvel.ai/apps/mortgage-calculator-mobile" 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 Mobile Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 > **TL;DR:** Mortgage Calculator Mobile is a finance app by Dirk Kerpen, rated 5/5 by 3 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Mortgage Calculator Mobile is a finance app by Dirk Kerpen. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (3 reviews) | | **Category** | Finance | | **Developer** | Dirk Kerpen | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 88d | ## Metadata & Market Performance - **Publisher:** Dirk Kerpen - **Category:** Finance - **Target Audience:** Homebuyers and real estate professionals requiring quick, on-the-go mortgage payment estimates. - **Platforms:** iOS - **Version Reviewed:** 2.7 - **Report Date:** 2026-08-19 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **App Store ID (iOS):** 1179718405 - **Bundle ID:** de.mindsoft.mortgageCalc - **Performance Trend:** Declining - **Data Window:** Analysis based on signals collected up to 2026-08-19 ## Executive Snapshot **What it is:** Mortgage Calculator Mobile is a free, offline-capable financial utility for homebuyers to estimate monthly payments on iOS. **Why users hire it:** The app removes the cognitive friction of manual tax and insurance calculations for users who prefer a static, private, and biometric-secured interface. ## App DNA (Features & Intent) - **[Differentiator] Biometric Security:** Secures app access with TouchID password protection. * *User Intent:* Users prioritize data protection and trust in the platform. - **[Standard] Financial Fee Inclusion:** Calculates monthly payments including tax, PMI, and insurance premiums. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Visual Data Representation:** Displays payment results using pie and bar charts for breakdown visualization. ## Market Position {#market-position} Mortgage Calculator Mobile maintains a niche as a free, static utility in the Finance category. The lack of updates for 22 months signals a maintenance-only posture that prevents it from capturing the market shift toward live-data financial integration. ## Monetization Strategy - **Model:** Free - **Tiers:** Free - **Analysis:** Mortgage Calculator Mobile is distributed as a free utility with no visible subscription or in-app purchase gates. ## SWOT Analysis {#swot} **Core Strengths:** - Biometric security provides a defensible privacy barrier for sensitive financial inputs **Growth Levers:** - Integrating real-time interest rate APIs would address the primary limitation of static calculators ## Recent Changes (v2 → v3) {#recent-changes} Market outlook has shifted from stable to declining, driven by the increasing obsolescence of static, local-only financial tools in a market that now favors real-time, cloud-integrated data. **Overall trend**: Declining **Compared at**: 2026-08-19 ### High-impact changes - **[Shifted] Outlook Trend Downgrade** (positioning) ### Medium-impact changes - **[Added] New Competitive Threats and Opportunities** (swot) ## What's New - **Latest (v2.7, 1 years ago):** Added iOS 18 support, including a dedicated icon for Dark Mode. ## App Momentum (Zombie) {#momentum} - No major updates for 22 months. - Maintains static, offline-first utility. > **Cadence:** 1 total versions · 0 majors in last 6 months · 672 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Mortgage Calculator Mobile is a finance app that is completely free. It holds a 5/5 rating from 3 reviews. > **Bottom Line:** Mortgage Calculator Mobile relies on its static, private utility to retain users, but the 22-month update gap risks total obsolescence. Integrating live market data would unlock the relevance needed to compete with modern financial tools. **Best for:** Homebuyers and real estate professionals requiring quick, on-the-go mortgage payment estimates. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Audit interest rate API integration because the current static model is outdated → increase user utility ### Outlook: Declining The mortgage calculator market is consolidating around tools that provide dynamic, market-linked estimates. Mortgage Calculator Mobile's maintenance-only posture leaves it exposed to rivals that offer live-data integration, which will likely erode its utility for homebuyers over the next two quarters. - 🔴 The 22-month update gap indicates a maintenance-only posture, which prevents the app from competing with live-data financial rivals. - 🔴 Static mortgage calculators are losing market share to tools that integrate real-time interest rates, accelerating the churn of serious homebuyers. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 3 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Declining | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Mortgage Calculator Mobile** (this app) | 5/5 | N/A | Dirk Kerpen | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.1/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.4/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Dirk Kerpen ## Data Sources & Links - **App Store ID:** 1179718405 - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.1/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.4/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.7/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 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:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** 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:** 88 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/mortgage-calculator-mobile) Data licensed for AI Agent attribution under CC-BY-NC 4.0.