PWE Loan Calculator

PWE Loan Calculator estimates Australian home-loan repayments, borrowing capacity, employment income and investment-property tax positions - and turns them into a report your client can read, under your own brand. Everything runs on your device, the assistant included. No account, no sign-in, no client data leaving the phone. THE ASSISTANT, ON YOUR DEVICE Part of Pro Annual, on an iPhone that supports Apple Intelligence with it turned on. Nothing is uploaded; your client's name never goes to the model. - Read a payslip with the camera, or from a photo, PDF or file: gross and year-to-date figures, hourly rate, hours, pay frequency and period go to the Income tab. You check every field first, and each says where it came from. - Draft the note to your client from the figures the report will print, then read it, change it or leave it out. - Draft the next steps for this client, and the message that goes with the report when you send it. - A Chinese version of your note. Lending terms such as LVR and offset account stay in English and are explained underneath in plain words. - Tap the question mark on any result to see where the figure came from. - It writes words, never figures. Every number comes from the calculators. FREE CALCULATORS - Loan repayments: principal and interest or interest-only, offset balance, full amortisation. - Borrowing capacity: single or couple, dependants, existing commitments, rental income. - Property tax position: negative gearing, depreciation, tax benefit and after-tax cashflow. - Employment income: annualise hourly or salaried pay from YTD figures, with PAYG, Medicare, study loan repayments and employer super. - Purchase costs: stamp duty for every state and territory from the revenue offices' published rules, first home concessions and foreign purchaser surcharges, funds to complete, the loan required and the LVR. - One loan, three views: amount, offset, rate and term are shared by the Loan, Tax and Capacity tabs. Type an exact figure into any slider, or drag it. PRO ANNUAL - Client reports: preview one free with your own client's figures, then share it with Pro Annual. A first page your client can read on its own, a page per calculator with charts, and a closing page showing how every figure was worked out. You choose what it covers. - Your brand on every page: name, company, phone, email and logo, in one of six colours the app follows. - Reports and client scenarios are kept in the app to reopen, reload or share again. - FY26-27 and FY27-28 tax assumptions, ownership split across two owners, a second interest rate compared side by side, and a simple multi-property portfolio. BUILT FOR AUSTRALIA Australian tax scales, Medicare levy, study and training loan thresholds, employer super guarantee and negative-gearing treatment, all stated in the app. ESTIMATES ONLY This app produces estimates for discussion and education. It is not financial, credit, legal or tax advice, it does not assess or approve credit, and it does not submit applications. The assistant drafts wording only; it does not calculate, recommend a lender or product, or judge whether a loan would be approved. Confirm any figure with a licensed broker, the lender and a registered tax adviser before relying on it. SUBSCRIPTION Pro Annual is an auto-renewable subscription, A$49.99 per year in Australia. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Any unused portion of a free trial, where offered, is forfeited when you purchase a subscription. LEGAL AND SUPPORT Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms: https://paradise-production.pages.dev/terms Privacy Policy: https://paradise-production.pages.dev/privacy Support: https://paradise-production.pages.dev/support