Comparison

PhoneFinance vs Optima Digital

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

Head to head
About

PhoneFinance

This application functions as a comprehensive financial calculator, offering precise calculations for loans, investments, and currency conversions. It allows users to easily manage financial tasks like calculating tips, sales tax, and amortization schedules, with all changes automatically saved for continuity.

Highlights
  • Loan and withdrawal calculations
  • Future value and capital projections
  • Tip and sales tax computation
  • Currency conversion
  • Amortization tables
  • Billing and depreciation tools
Features
Read full description

PhoneFinance Almost as complete as a financial calculator and the same accuracy, but very easy use. This application allows for a more interesting and productive work. (for cell phone look for PhoneFinance) (for tablet look for TabFinance) Looking to calculate a loan, future value, withdrawal, tip, sales tax or foreign currency, this app is for you. Any changes you make are saved. When you open the app, you can continue where you were in your work. This app also includes Amortization tables and many other options. - Capital for a regular withdrawal You have $ 100,000 for your retirement, how much will you have per month for 20 years ? - Regular withdrawal for a capital You want to withdraw $ 150 a month for 15 years, what capital do you need ? - Need a loan ? You want to buy a car at $ 35,000, what will be your monthly payments ? - How much to borrow ? You want to pay $ 325 per 2 weeks, how much can you borrow ? - Capital for future value You have a capital of $ 10,000, how much does it bring you in 5 years ? - Regular deposit for future value You deposit each week $ 75, how much will you have in 10 years ? - Gratuity Calculate the tip, which also includes the corresponding information - Sales taxes You want to calculate the tax of a purchase ? (United-States, Canada, Mexico etc.) - Currency conversion You want to know the value of an international currency ? - Billing of time / Billing of products Do you want to write a timely or products bill quickly ? - Depreciation / Resale Find the depreciation of a product or its resale value.

About

Optima Digital

Features
Read full description

Optima Digital te permite administrar tus productos y servicios financieros de Optima Servicios Financieros de forma fácil y conveniente. Accede a la información de tu número de crédito, saldos, fechas de pago y cuotas cuando y donde lo necesites; visualiza tu historial de pagos y retiros para mejorar el control de tus finanzas comerciales y personales. Solicita el crédito que necesitas en cualquier momento a través de un formulario simple e inicia tus proyectos sin dejar de hacer lo que es importante para ti. Haz crecer tu negocio, desarrollándote con nuestro programa certificado para el desarrollo de habilidades comerciales, donde aprenderás la aplicación práctica de conceptos clave para el buen manejo de tu negocio. No te pierdas ni un beneficio, con Optima Móvil encontrarás información de nuestro club de comercios afiliados y recibirás notificaciones cuando tengas una promoción cerca de ti, no hay mejor forma de ahorrar que aprovechando cada descuento. Optima esta comprometida contigo, permanece atento a las mejoras que estaremos liberando periódicamente para darte una experiencia incomparable

Screenshots

PhoneFinance4 screens
Optima Digital4 screens

Verdict

The call

The clearest difference is update cadence: PhoneFinance at every 2 weeks against Optima Digital's every 2 months. Optima Digital's advantage is iOS requirement (15.6 vs 18.6). On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

PhoneFinance ships an update every 2 weeks, Optima Digital every 2 months. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.

Scorecard2 real differences · 6 level
PhoneFinance versus Optima Digital: the parameters behind the verdict, then further details
ParameterPhoneFinanceOptima Digital
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS18.615.6 — better
Further details — not scored
Size36 MB88 MB
Age rating4+4+
DeveloperMarcel RousselOptima Servicios Financieros

In-app purchases

None

PhoneFinance

No in-app purchases

None

Optima Digital

No in-app purchases

Questions

Is PhoneFinance free?
PhoneFinance is free to download, with no in-app purchases.
Is Optima Digital free?
Optima Digital is free to download, with no in-app purchases.
Do PhoneFinance or Optima Digital have ads?
Neither PhoneFinance nor Optima Digital shows ads.
Which is updated more often, PhoneFinance or Optima Digital?
PhoneFinance ships an update every 2 weeks, and Optima Digital every 2 months. Most recently, PhoneFinance was updated on October 24, 2026 and Optima Digital on October 19, 2026.

Other comparisons