# Delay It — Loan and Investment Calculator > Compare loan interest costs versus investment earnings. (iPhone/iPad app by Animated Bit LLC.) - Source: https://appshunter.io/ios/app/delay-it/id1048859367 (this page in markdown: same URL + `.md`) - Developer: [Animated Bit LLC](https://appshunter.io/developer/1048859366) - Category: Finance, Utilities - Price: Free - Rating: 5.00/5 from 7 App Store ratings · 7 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 5 MB - Languages: English - Released: 2015-10-26 - Data updated: 2026-07-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/delay-it/id1048859367/reviews.md ## What is Delay It? Want to borrow money for a new car? What if you delayed your gratification and invested the monthly payment instead. For example, if you knew you could afford $525 per month for a new car, do you know how much interest you would pay the bank versus how much interest you would earned if you invested the money instead? Delay It makes it easy to calculate a loan payment on one tab and then consider that payment as an investment on another tab. ## Key features - Loan payment calculation - Investment earning simulation - Interest cost comparison - Financial planning tool ## Recent user reviews (7 of 7) All indexed reviews: https://appshunter.io/ios/app/delay-it/id1048859367/reviews.md ### 5/5 — Been using for years. Simple UI. *2026-06-23, version 2.0* Handy and simple to use. Using for few years now to track retirement. Love the new UI - thanks for modernizing the app! ### 5/5 — Excelente aplicación *2021-09-30, version 1.1.2* Lo mejor del mundo recomiendo 100% ### 5/5 — Easy to use, nice features *2017-06-09, version 1.1.1* Strikes a nice balance between too basic and the very sophisticated making it nice for daily use. Reasonably intuitive. ### 5/5 — Very Practical *2016-12-11, version 1.1.1* The app is very easy to use! I love how the information carries over from one tab to the next! It's one of the best loan and investment calculators I have seen to date. I highly recommend it! ### 5/5 — Great app *2016-11-30, version 1.1.1* This app is a keeper, It makes my job easier, the pie chart is a great way to visualize to your customers the importance of savings versus spending. Thank you ### 4/5 — Great on the spot help and ease of use *2015-10-31, version 1.0* Surprised someone didn't do this earlier. Allows you to make basic financial decisions without all of the unnecessary gobbledegook so many other apps are loaded with. I like the idea of comparing future and present value of money when deciding about how much I want to spend on a car versus how much of that I want to save toward some future goal and how it would accumulate. ### 5/5 — Those decisions... *2015-10-24, version 1.0* Ever needed to answer "those" decision questions when it comes to large purchases? Like do I spend now and pay the interest or wait and earn interest? This app puts that and many other scenarios at your fingertips. Very cool. ## Frequently asked questions about Delay It ### What is Delay It? Delay It is a finance app that helps you compare the interest you would pay on a loan against the potential interest you could earn by investing that same amount. ### How does Delay It work? The app has separate tabs for calculating loan payments and simulating investment growth. You can input a monthly payment amount and see the financial outcomes of both scenarios. ### Is Delay It free to use? Yes, Delay It is completely free to download and use, with no in-app purchases or advertisements. ### What devices does Delay It support? Delay It is available on iPhone, iPad, and iPod devices. ### How secure is Delay It? As a calculator app, Delay It does not handle sensitive financial account information, making it inherently secure for personal financial comparisons. ### When was Delay It last updated? The latest version of Delay It was released on October 30, 2017. ### What is the age rating for Delay It? Delay It has an age rating of 4+, making it suitable for a wide range of users. ### What do users like about Delay It? Users appreciate its straightforward comparison of loan costs versus investment gains, helping them make more informed financial choices. ## Version history (last 5 releases) ### 2.0.1 — 2026-06-28 Fixed ad banner layout when using the numeric keyboard. Improved input experience with Done button in the navigation bar ### 1.1.2 — 2017-10-30 This app has been updated by Apple to display the Apple Watch app icon. Minor update: + Optimized for iOS 11 + Compatibility with iPhone X ### 1.1.1 — 2016-11-29 + Squashed some bugs + Compatibility with iOS 10 ### 1.1 — 2015-11-16 + Renamed some items to make them easier to understand + Messages are now prominently displayed + Convenient 'Copy to Invest tab' button + Squashed some bugs ### 1.0 — 2015-10-24 No release notes. ## Apps similar to Delay It | App | Rating | Price | Category | | --- | --- | --- | --- | | [Sycamore - Save Invest Borrow](https://appshunter.io/ios/app/sycamore-save-invest-borrow/id1592757960) | 4.3 (118) | Free | Finance | | [AF247 - Advance Financial 24/7](https://appshunter.io/ios/app/af247-advance-financial-247/id1450238988) | 2.8 (146) | Free | Finance | | [FlexWage](https://appshunter.io/ios/app/flexwage/id541117526) | 4.8 (990) | Free | Finance | | [Robins Financial Cards App](https://appshunter.io/ios/app/robins-financial-cards-app/id1291975300) | 4.9 (3,756) | Free | Finance | | [Emerald Express Cash](https://appshunter.io/ios/app/emerald-express-cash/id1591261462) | 2.7 (3) | Free | Finance | | [CloudPay](https://appshunter.io/ios/app/cloudpay/id1529573699) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-04.*