Comparison

FinCalc vs Annuity Simulator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FinCalc

This app provides a suite of financial calculators for loans, retirement planning, and investment analysis. It features interactive sliders for loan calculations and detailed parameter adjustments for retirement and annuity planning, offering clear visualizations of financial outcomes.

Highlights
  • Interactive loan calculators with sliders
  • Detailed retirement savings planner
  • Living annuity and savings duration calculator
  • Full financial calculator with variable solving
  • Payment and savings schedule generation
  • Help screens for each calculator
Read full description

FinCalc is a premium, fully offline suite of financial calculators for iPhone and iPad. Plan with clarity: save named scenarios, compare strategies side by side, explore interactive charts, model extra payments, and share polished PDF summaries. Optional on-device AI insights (Apple Intelligence) explain results in plain language — privately, on your device, never as financial advice. KEY FEATURES • Saved scenarios & comparison — name, revisit, and compare plans • Car & home loans — repayments, amortization, interactive balance charts • Extra-payment what-ifs — see interest saved and months cut • Retirement savings — real/nominal planning with growth assumptions • Living annuity — deterministic and stochastic longevity bands • TVM calculator — solve for N, I, PV, PMT, or FV • Home Screen widgets & Shortcuts — glanceable loan and retirement status • Share & PDF export — send a clean summary when you need it • TipKit guidance & accessible controls — Dynamic Type and VoiceOver friendly • Localized — English, German, French, Spanish, Brazilian Portuguese FINCALC PRO (optional one-time unlock) Free FinCalc stays fully useful: all calculators, charts, extra-payment what-ifs, last-session persistence, TipKit, widgets, and one on-device insight teaser per session. FinCalc Pro is a one-time purchase (not a subscription) that unlocks unlimited saved scenarios, scenario compare, PDF export, and unlimited on-device insights. HOW IT WORKS 1. Pick a calculator from the dashboard. 2. Dial values with precision sliders or tap to type exact amounts. 3. Save scenarios, scrub charts, and compare alternatives. 4. Optionally ask for an on-device explanation on supported devices. Fully offline. No accounts. No tracking. Currency-agnostic for international use. Disclaimer: Results are educational estimates based on your inputs. FinCalc is not financial advice. Consult a qualified adviser for important decisions.

About

Annuity Simulator

Calculate the years needed to access an annuity based on your income and savings capacity. This tool provides instant results and visualizes annuity evolution over time. It does not account for inflation or taxation.

Highlights
  • Income and savings input
  • Instant annuity calculation
  • Annuity evolution graph
  • Cumulative savings table
  • Simple simulator parameters
Features
Read full description

Enter your monthly income and your savings capacity. This application will calculate the number of years allowing you to access an annuity corresponding to your expenses. This application does not integrate inflation and taxation for your country. Features : - Simply entry simulator parameters - Instant calculation result - Annuity evolution graph over time - Table of cumulative savings and annuity Give us your feedback to help us to improve this application (www.persoapps.net).

Screenshots

FinCalc4 screens
Annuity Simulator4 screens

Verdict

The call

The clearest difference is in-app purchases: FinCalc at none against Annuity Simulator's 1. FinCalc also leads on ads (none vs shown). Annuity Simulator's advantage is iOS requirement (12.0 vs 27.0). On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Annuity Simulator sells 1 one-off in-app purchase. FinCalc asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for FinCalc against 5.0 for Annuity Simulator. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

FinCalc ships an update every 5 months, Annuity Simulator every 8 months. The most recent releases landed on October 12, 2026 and September 26, 2026 respectively.

Scorecard4 real differences · 5 level
FinCalc versus Annuity Simulator: the parameters behind the verdict, then further details
ParameterFinCalcAnnuity Simulator
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Number of ratings11
Update frequencyEvery 5 months — betterEvery 8 months
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS27.012.0 — better
Further details — not scored
Size6 MB44 MB
Age rating4+4+
DeveloperJoao FrascoFRANCOIS GUERIN

Customer experience

FinCalc

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Annuity Simulator

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

FinCalc

No in-app purchases

1 purchases

Annuity Simulator

One-time1
  • Remove ads banners$0.99

Questions

Is FinCalc free?
FinCalc is free to download, with no in-app purchases.
Is Annuity Simulator free?
Annuity Simulator is free to download, with in-app purchases available.
Which has better reviews, FinCalc or Annuity Simulator?
FinCalc and Annuity Simulator are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do FinCalc or Annuity Simulator have ads?
Annuity Simulator shows ads; FinCalc does not.
Which is updated more often, FinCalc or Annuity Simulator?
FinCalc ships an update every 5 months, and Annuity Simulator every 8 months. Most recently, FinCalc was updated on October 12, 2026 and Annuity Simulator on September 26, 2026.

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