# Deposit vs Investment — Secure your capital gain.

> Secure your capital gain. (iPhone/iPad app by Roy Liu.)

- Source: https://appshunter.io/ios/app/deposit-vs-investment/id6478149313 (this page in markdown: same URL + `.md`)
- Developer: [Roy Liu](https://appshunter.io/developer/1731974923)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 40 MB
- Languages: American English
- Released: 2024-03-05
- Data updated: 2026-05-16
- User reviews in markdown: https://appshunter.io/ios/app/deposit-vs-investment/id6478149313/reviews.md

## What is Deposit vs Investment?

Main purpose:
Help investor to evaluate the risk and buy price by comparing investment with fix-term deposit. Also added first-home case to help young people buy the home with known finance risks.

Features:
First-home assessment
Start assessment easily by inputing investment, loan and loan interest.
Evaluate least sell price for the given year with all the needed factors, including loan interests, rental, deposit rate, etc.
Full insight of the least price comparing to fix-term deposit, which explains how the least price calculated.
Give annual growth rate of property to achieve the least sell price, which helps user to test the investment risk.
Calculate monthly investment/repayment to find out affordability, which considers all the cash gain vs all the costs.
Full insight of the investment cashflow and all the costs.
Key factors refinement to start new assessment.
EMI(Equated Monthly Installment) calculation to estimate the paid interest and principle at specific year
Fix-term calculation to show full view of possible capital gain of deposit 

The formulas for EMI and fix-term deposit are referred from 
https://www.aubank.in/blogs/monthly-interest-payout-on-fixed-deposit
https://www.bankrate.com/mortgages/mortgage-calculator/#calculate-mortgage-payment
and tested with the calculators from anz.co.nz

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Property Calculator AuNZ | $1.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Property Calculator AuNZ | $7.99 | one-time |



## Version history (last 3 releases)

### 3.0 — 2025-12-07

1) Add stamp duty cost and capital gain cost, which is to cover the situation in Australia
2) Assessment also covers the first-home case, by assess the affordability to explain the finance pressure clearly.
3) Restyled UI to improve the user experience.
4) User can add customized factors which are not considered in the default factors.

### 2.0 — 2024-06-13

Improved UI design, added menu to navigate between the pages.

### 1.0 — 2024-03-05

No release notes.

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*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 2026-05-16.*