Amortix - Mortgage Hipotecas

The mortgage calculator that understands your real loan: fixed, variable, mixed, Euribor with spread, and prepayment with the legal early-repayment fee per country.

Amortix is the mortgage calculator that understands your REAL mortgage.

While most apps run a generic interest formula, Amortix understands what actually matters:

• MIXED mortgages (fixed-rate period + variable rate after), common across Europe
• Variable rates as Euribor + spread, just like your contract
• Country-specific EARLY REPAYMENT FEES, set by law
• The real impact of reducing payment vs reducing term

SMART CALCULATOR

• Fixed, variable, and mixed mortgages
• Monthly payment, total interest, true cost
• Full month-by-month amortization schedule

PARTIAL PREPAYMENT

• See whether reducing payment or term saves you more
• Automatically deducts the legal commission for your country
• Clear recommendation based on net savings

EXTRA PAYMENTS

• Simulate paying a bit extra each month
• Discover how many months and how much interest you save
• Visual balance chart over time

EURIBOR REVIEW (Europe)

• What happens to your payment if Euribor rises 1%?
• Compare current vs simulated payment instantly
• Especially useful before your annual rate review

STRESS TEST

• See your payment from -2% to +5% off today's rate
• Know if you can absorb a major rate hike before signing
• Decide with data, not assumptions

YOUR COUNTRY'S LAW Knows the exact prepayment commission in 8 markets:

• Spain - Law 5/2019
• USA - Dodd-Frank (QM loans)
• Italy - TUB + EU Mortgage Directive
• France - Code de la Consommation L313-47
• Germany - Paragraph 490 BGB Vorfaelligkeitsentschaedigung
• India - RBI Circular 2012
• Brazil - SFH Lei 9.514/1997
• Arabic markets - Murabaha / Ijara

9 LANGUAGES English, Espanol, Francais, Deutsch, Italiano, Portugues, Arabic, Hindi, Chinese.

PRIVACY-FIRST Amortix doesn't collect personal data. All calculations run on your device. No accounts, no login, no profiles. The only external connection is standard Google ads, which you can disable with a single in-app purchase from Settings.

AD-FREE OPTION One-time payment removes all ads forever.

Amortix is built for people facing real decisions:

• Signing a mortgage and wanting to understand every figure
• Facing an annual review and worried about a payment hike
• Sitting on savings, deciding whether to prepay
• Wondering how a rate rise would actually affect you

Not another generic calculator. The one that reads your actual contract.