Comparison

Loans & Interests Simulator vs Kipo

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

Head to head
About

Loans & Interests Simulator

Easily calculate loan payments, maximum credit amounts, and interest paid. Get payment reminders, visualize data with graphs, and access an amortization table. This app helps manage various loan types and is free to use.

Highlights
  • Calculate loan variables (interest, payment, duration, amount)
  • Visualize data with graphs
  • Receive payment reminders
  • View amortization table
  • Export loan history
  • Offline functionality
Features
Read full description

A Simulator / Calculator that easily calculate how much you need to pay monthly, or calculate the maximum amount of credit you can get by knowing how much you can pay. Never forget a payment! Our app will notify you every month to remind you about all your upcoming payments. Our app lets you calculate any variable: interest rate, monthly payment, duration or loan amount; giving you as result the amount of interest paid, the total cost of credit, and amortization. Payments Schedule, graphs, notifications, export options and much much more, and it is absolutely FREE. ** Perfect to calculate: • Personal Loans • Student Loans • Mortgage Loans • Business Loans • Auto Loans What makes us different from all other loan calculator apps? Well, we have several reasons, here is a full feature list: • Calculate any variable of your loan: Interest rate, monthly payment, loan duration or loan amount • We include graphs to help you visualize the data. • Our App includes notifications; we will send you a notification to remind you about your loan payments • An amortization table with all your loan details • Store, email or share your loan history. • We made the most functional design, easy to read and intuitive. • We made it so fast and simple to use that you’ll be able to get calculations in a matter of seconds. • The App is Multi-language. • No internet connection is needed to use this app, and it is designed to work for every device with any software version. • We will constantly update our app to support a wider range of features Download Now! Loans, Credits, Mortgage & Installments Calculator for FREE in the App Store!

About

Kipo

Read full description

Kipo helps you manage personal and shared finances without losing context. Track your own expenses and income, manage shared money with other people, scan receipts with OCR, follow balances, explore charts, and ask AI-powered finance questions in one place. Use Kipo to: - ask AI questions about your financial data and get guided answers inside the app; - track personal expenses and income without needing to create a group; - manage shared expenses with friends, family, roommates, and trips; - record recurring entries, including ongoing repeats and installment-style flows; - scan receipts from photos or files, keep attachments, and preserve the history behind each entry; - follow balances, settlements, and monthly progress inside each group; - explore charts for trends across expenses, income, categories, people, recurring activity, and cash flow; - get smarter category suggestions that improve as you review and correct entries. Kipo is built for real day-to-day finance organization, whether you manage money alone or with other people. For personal finance, Kipo helps you record day-to-day spending, organize income, keep receipts attached, and review your history with more context. For shared finance, Kipo helps you split expenses, track who paid, follow balances between members, manage settlements, and understand what is happening inside each group over time. Instead of spreading financial context across chats, notes, screenshots, and files, Kipo keeps the important details together: - what the entry was for; - who paid; - attached receipts or documents; - recurring activity over time; - balances and settlement progress; - category, timeline, and chart context. Kipo combines personal finance, shared finance, OCR receipt capture, recurring entries, smart categorization, charts, balances, and AI-assisted exploration in one app. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Loans & Interests Simulator4 screens
Kipo4 screens

Verdict

The call

The clearest difference is ads: Kipo at none against Loans & Interests Simulator's shown. Kipo also leads on update cadence (every 6 days vs every 2 months). Loans & Interests Simulator's advantage is iOS requirement (13.0 vs 18.2). On price, 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. Loans & Interests Simulator sells 3 one-off in-app purchases and Kipo sells 10 in-app purchases, starting at $7.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Loans & Interests Simulator ships an update every 2 months, Kipo every 6 days. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Loans & Interests Simulator versus Kipo: the parameters behind the verdict, then further details
ParameterLoans & Interests SimulatorKipo
PriceFreeFree
Rating4.8 (489 ratings) — better—
Positive reviews86.0% of reviews—
Number of ratings489 — better—
Update frequencyEvery 2 monthsEvery 6 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better18.2
Further details — not scored
Size33 MB75 MB
Age rating4+12+
DeveloperRome Rock LLCBruno B e Oliveira

In-app purchases

3 purchases

Loans & Interests Simulator

One-time3
  • Dog Food$2.99
  • Dog Toys$4.99
  • Dog Costume$6.99
10 purchases

Kipo

Subscriptions5
  • Kipo Plus Solo Monthly$7.991 Month
  • Kipo Plus Pod +1 Annual7 Days trial$129.991 Year
  • Kipo Plus Pod +2 Annual7 Days trial$189.991 Year
Show 2 more
  • Kipo Plus Pod +3 Annual7 Days trial$224.991 Year
  • Kipo Plus Pod +4 Annual7 Days trial$269.991 Year
One-time5
  • 200 Kipo Credits$1.99
  • 600 Kipo Credits$3.99
  • 1200 Kipo Credits$7.99
Show 2 more
  • 2400 Kipo Credits$15.99
  • 5000 Kipo Credits$31.99

Questions

Is Loans & Interests Simulator free?
Loans & Interests Simulator is free to download, with in-app purchases available.
Is Kipo free?
Kipo is free to download, with in-app purchases available.
Do Loans & Interests Simulator or Kipo have ads?
Loans & Interests Simulator shows ads; Kipo does not.
Which is updated more often, Loans & Interests Simulator or Kipo?
Loans & Interests Simulator ships an update every 2 months, and Kipo every 6 days. Most recently, Loans & Interests Simulator was updated on November 11, 2026 and Kipo on November 5, 2026.

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