PhoneFinance vs Optima Digital
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Loan and withdrawal calculations
- Future value and capital projections
- Tip and sales tax computation
- Currency conversion
- Amortization tables
- Billing and depreciation tools
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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.
Optima Digital
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | PhoneFinance | Optima Digital |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 18.6 | 15.6 — better |
| Further details — not scored | ||
| Size | 36 MB | 88 MB |
| Age rating | 4+ | 4+ |
| Developer | Marcel Roussel | Optima Servicios Financieros |
In-app purchases
PhoneFinance
No in-app purchases
Optima Digital
No in-app purchases
Questions
Is PhoneFinance free?
Is Optima Digital free?
Do PhoneFinance or Optima Digital have ads?
Which is updated more often, PhoneFinance or Optima Digital?
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