This isn't saying every program is bad
Plenty are run by decent people who earn their fee. Some households get real value from someone sitting across the table and keeping them accountable. This calculator just puts a number on the alternative, so the fee is weighed against something real.
What's usually already free
Mortgage brokers in Australia are normally paid by the lender, not by you, and have been legally required to act in your best interests since January 2021. Your own lender will reprice your loan if you ask, and it costs nothing to ask. Financial counsellors through the National Debt Helpline are free, independent and confidential. And the account structures, extra repayments and debt order in this book don't need anyone's permission.
Watch for the stack
A program that also arranges your loan, your insurance or an investment property may be paid by those providers as well as by you. That doesn't make the advice wrong, but you're entitled to ask, in writing, every way they are paid.
Property advice is different
Advice about financial products needs a licence. Advice to buy an investment property doesn't, because real property isn't a financial product under the law. Anyone can give it, with no licence and no best-interests duty. Know which kind you're getting.