---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Mortgage Repayment Calculator"
developer_entity: "James Still"
bundle_id: "sublimedsoft.mort"
app_store_id: "397230570"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS"
app_last_updated: "2014-02-15"
report_date: "2026-09-19"
last_verified: "2026-09-19T00:00:00.000Z"
report_version: "2.0.1"
total_reviews: 1
overall_rating: 3
confidence: "low"
confidence_score: 0.05
data_age_days: 12
momentum_velocity: "zombie"
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "homeowners", "prospective", "buyers"]
canonical_url: "https://marlvel.ai/apps/mortgage-repayment-calculator"
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 Repayment Calculator Intelligence Report

## TL;DR {#tldr}

- **Category**: Finance · Free
- **Signal**: Rating 3

> **TL;DR:** Mortgage Repayment Calculator is a finance app by James Still, rated 3/5 by 1 users, available on iOS.
>
> **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Mortgage Repayment Calculator is a finance app by James Still.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 3/5 (1 review) |
| **Category** | Finance |
| **Developer** | James Still |
| **Pricing** | Free |
| **Platforms** | iOS |
| **Confidence** | Low (0.05/1.0) |
| **Data Age** | 12d |

## Metadata & Market Performance
- **Publisher:** James Still
- **Category:** Finance
- **Target Audience:** Homeowners or prospective buyers seeking a basic tool to estimate mortgage costs.
- **Platforms:** iOS
- **Version Reviewed:** 2.0.1
- **Report Date:** 2026-09-19
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0.05/1.0)
- **App Store ID (iOS):** 397230570
- **Bundle ID:** sublimedsoft.mort
- **Data Window:** Analysis based on signals collected up to 2026-09-19

<!-- section:executive-snapshot -->
## Executive Snapshot
**What it is:** Mortgage Repayment Calculator is a free, manual-input utility for estimating mortgage repayments and interest costs on iOS.
**Why users hire it:** It removes the cognitive friction of manual interest-rate math for homeowners who prefer a simple, offline-capable tool over complex banking apps.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Mortgage Repayment Calculation:** Calculates monthly payments based on user-inputted mortgage amount, interest rate, and repayment period.
- **[Standard] Interest-Only vs Repayment Comparison:** Displays total interest paid and monthly obligations for both interest-only and standard repayment mortgage structures.
  * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior.
- **[Basic] Localized Currency Formatting:** Adjusts numerical output to match local currency standards.
<!-- /section:features -->

<!-- section:market-position -->
## Market Position {#market-position}

Mortgage Repayment Calculator maintains a static presence in the Finance category with no updates since 2014. The absence of modern financial integrations signals a decline in competitive relevance against active, data-driven rivals.
<!-- /section:market-position -->

## Monetization Strategy
- **Model:** Free
- **Tiers:** Free
- **Analysis:** The app is distributed as a free utility with no visible monetization or in-app purchase gates.

<!-- section:swot -->
## SWOT Analysis {#swot}

**Core Strengths:**
- Simple, focused interface removes navigation friction

**Growth Levers:**
- Integrating live mortgage rate feeds would differentiate


<!-- /section:swot -->
<!-- section:whats-new -->
## What's New

- **Latest (v2.0.1, 12 years ago):** Introduced iPad compatibility and a UI refresh alongside iOS 7 optimization.
<!-- /section:whats-new -->

<!-- section:momentum -->
## App Momentum (Zombie) {#momentum}

- Dormant for over 12 years.
- No feature updates since 2014.

> **Cadence:** 1 total versions · 1 majors in last 6 months · 4599 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Mortgage Repayment Calculator is a finance app that is completely free.
It holds a 3/5 rating from 1 review.

<!-- speakable-start -->
> **Bottom Line:** Mortgage Repayment Calculator functions as a legacy utility that serves a narrow, static need, and its lack of development over the last decade makes it vulnerable to modern, feature-rich financial tools that provide real-time data.
<!-- speakable-end -->

**Best for:** Homeowners or prospective buyers seeking a basic tool to estimate mortgage costs.

<!-- section:pm-actions -->
### PM Action Plan (Next Best Moves)

- [ ] [SUNSET] Sunset the product because the 12-year development gap makes it uncompetitive against modern financial tools → eliminate support overhead
<!-- /section:pm-actions -->

<!-- section:outlook -->
### Outlook: Declining

The financial utility market is consolidating around apps that offer real-time rate tracking and automated banking integrations. Mortgage Repayment Calculator remains static, which will lead to further obsolescence as users migrate to tools that reduce manual input requirements.

- 🔴 The 12-year development hiatus indicates a maintenance-only state, which erodes competitive relevance as modern rivals integrate real-time mortgage rate data.
<!-- /section:outlook -->

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 3/5 |
| Total Reviews | 1 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS |
| Key Features | 3 analyzed |
| Outlook | Declining |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Mortgage Repayment Calculator** (this app) | 3/5 | N/A | James Still |
| [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 |
| [코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)](https://marlvel.ai/apps/coinone-co-kr-official) | 3.1/5 | N/A | Coinone |
| [다트맨 - 전자공시 푸시알림](https://marlvel.ai/apps/com-coreasset-stockhunter) | 2.1/5 | N/A | ORBIS Investment Advisors Co., Ltd. |
| [디지로카(롯데카드)](https://marlvel.ai/apps/com-lcacapp) | 2.5/5 | N/A | lottecard |

## Company Profile
- **Developer:** James Still

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/us/app/mortgage-repayment-calculator/id397230570?uo=4)
- **Sources:** 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
- [*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
- [*しんきんバンキングアプリ*](https://marlvel.ai/apps/jp-shinkin-ib-banking) (The Shinkin Banks Information System Center Co Ltd) · 3.3/5 Rating
- [*10bII+*](https://marlvel.ai/apps/10bii) (Anishu, Inc.) · 2.0/5 Rating
- [*10BII Calc HD*](https://marlvel.ai/apps/com-ernestbrock-calc10biihd) (Ernest Brock) · 4.9/5 Rating | Excellent Sentiment

## 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:** 12 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/mortgage-repayment-calculator)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.