# Loans & Interests Simulator vs Kipo

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.

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.

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.

## The numbers

| Metric | Loans & Interests Simulator | Kipo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (489 ratings)](https://appshunter.io/ios/app/loans-and-interests-simulator/id1403190089/reviews)** | — |
| Number of ratings | **489** | — |
| Positive reviews | 86.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 6 days** |
| Monetization | Free with in-app purchases | — |
| Size | 33 MB | 75 MB |
| Requires iOS | **13.0** | 18.2 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Rome Rock LLC](https://appshunter.io/developer/1190244007) | [Bruno B e Oliveira](https://appshunter.io/developer/841263420) |

## What reviewers say

### Loans & Interests Simulator

[App page](https://appshunter.io/ios/app/loans-and-interests-simulator/id1403190089)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Dog Food | $2.99 | one-time |
| Dog Toys | $4.99 | one-time |
| Dog Costume | $6.99 | one-time |


### Kipo

[App page](https://appshunter.io/ios/app/kipo-split-finances-wisely/id6793070789)

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Kipo Plus Solo Monthly | $7.99 | per month |
| Kipo Plus Pod +1 Annual | $129.99 | per year |
| Kipo Plus Pod +2 Annual | $189.99 | per year |
| Kipo Plus Pod +3 Annual | $224.99 | per year |
| Kipo Plus Pod +4 Annual | $269.99 | per year |
| 200 Kipo Credits | $1.99 | one-time |
| 600 Kipo Credits | $3.99 | one-time |
| 1200 Kipo Credits | $7.99 | one-time |
| 2400 Kipo Credits | $15.99 | one-time |
| 5000 Kipo Credits | $31.99 | one-time |


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