# PhoneFinance vs Optima Digital

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.

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.

## The numbers

| Metric | PhoneFinance | Optima Digital |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 36 MB | 88 MB |
| Requires iOS | 18.6 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Marcel Roussel](https://appshunter.io/developer/1238038266) | [Optima Servicios Financieros](https://appshunter.io/developer/1503545013) |

## What reviewers say

### PhoneFinance

[App page](https://appshunter.io/ios/app/phonefinance/id1238038267)

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:** macOS Compatibility

**In-app purchases:** none


### Optima Digital

[App page](https://appshunter.io/ios/app/optima-digital/id1503545015)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*