RECalc Mortgage Calculator review
A focused mobile calculator for loan payments, costs and amortization.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
RECalc Mortgage Calculator from 3magic is a mobile mortgage and loan calculator for people who want to estimate payments and review how a loan amortizes. Available on iOS and Android, it can calculate a monthly payment, loan term, interest rate or loan amount. Its scope suits individual borrowers comparing basic loan inputs, rather than buyers seeking a broader affordability or refinancing toolkit.
The calculation inputs cover several ownership costs alongside the loan itself: users can enter a down payment as an amount or percentage, annual property taxes, homeowners insurance and mortgage insurance. RECalc supports monthly and semi-annual compounding, including Canadian compounding, and displays a loan summary and amortization table. Loan details can be saved or emailed. These features make the app useful for examining how payment assumptions and recurring costs affect a calculation, though it does not provide affordability analysis, refinance scenarios or adjustable-rate mortgage support.
The free version is ad-supported, while RECalc Pro is a paid option with mortgage and loan calculations, the tax and insurance inputs, and the same summary and amortization-table capabilities. The published US App Store price for Pro is a one-time purchase. Choose RECalc if you want a mobile-first calculator with amortization and the ability to account for taxes and insurance. Consider another tool if you need affordability planning, refinance comparisons, ARM calculations, or a desktop deployment; RECalc is listed for mobile use, with email support as its support channel.
RECalc Mortgage Calculator pros and cons
- Where it wins
- Calculates payment, term, rate or loan amount
- Shows loan summaries and complete amortization tables
- Supports Canadian semi-annual compounding and insurance inputs
- Where it doesn't
- The free version is ad-supported
- No affordability analysis, refinance scenarios or ARM support
- Available on mobile platforms only
RECalc Mortgage Calculator fact sheet, pricing and score →
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