# Smart Card Utility vs ACFT Calculator

The clearest difference is in-app purchases: ACFT Calculator at none against Smart Card Utility's 4. ACFT Calculator also leads on iOS requirement (12.0 vs 15.0). Smart Card Utility's advantage is update cadence (every 2 months vs every 3 months). On price, ads and device support there is nothing between them.

Both are free to download. Smart Card Utility sells 4 in-app purchases, starting at $2.99 per month. ACFT Calculator asks for nothing beyond the download.

Smart Card Utility ships an update every 2 months, ACFT Calculator every 3 months. The most recent releases landed on October 23, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Smart Card Utility | ACFT Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (63 ratings)](https://appshunter.io/ios/app/smart-card-utility/id1444710309/reviews)** | — |
| Number of ratings | **63** | — |
| Positive reviews | 38.6% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Size | 8 MB | 67 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | **iPhone, iPad, iPod, Mac** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Twocanoes Software, Inc.](https://appshunter.io/developer/521862499) | [Erdem Kara](https://appshunter.io/developer/1015700209) |

## What reviewers say

### Smart Card Utility

[App page](https://appshunter.io/ios/app/smart-card-utility/id1444710309)

Access secure government and military websites on your iPhone or iPad using your PIV-enabled smart card. Log in quickly to Office 365, Webmail, Teams, and more, eliminating the need for a laptop.

**Highlights:** Smart card authentication for O365, Webmail, Teams, Access CAC protected websites via Safari, Fast login on iPhone and iPad, Supports PIV, CACv2/ECA, and PKCS15 cards, Compatible with various smart card readers, Access military and civilian web sites

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 3rd Party Readers Support | $2.99 | per month |
| Smart Card Utility | $49.99 | one-time |
| Smart Card Utility Mobile | $49.99 | one-time |
| Third Party Readers | $49.99 | one-time |

**What reviewers like**

- 👍 Works with DoD CAC
- 🚀 Access OWA and MyPay
- 👍 Works with Safari
- 🚀 Great for mobile iOS users
- 👍 Easy certificate download

**What reviewers complain about**

- 🐛 Doesn't work with newer iPhones
- 🐛 Overly expensive
- 🐛 Not user-friendly
- 🐛 Subscription required
- 🐛 Waste of money

**Reported bugs**

- Device will not connect to newer iPhones
- PIN suddenly won't work
- Does not see SCR 3310 card reader
- Bluetooth reader bug on macOS
- New update broke BT read on iOS

**Requested features**

- Support for more CAC enabled sites
- Show cert chain graphically
- Support alphanumeric+symbols PINs


### ACFT Calculator

[App page](https://appshunter.io/ios/app/acft-calculator-scorechart/id6447702010)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Smart Card Utility free?

Smart Card Utility is free to download, with in-app purchases available.

### Is ACFT Calculator free?

ACFT Calculator is free to download, with no in-app purchases.

### Do Smart Card Utility or ACFT Calculator have ads?

Neither Smart Card Utility nor ACFT Calculator shows ads.

### Which is updated more often, Smart Card Utility or ACFT Calculator?

Smart Card Utility ships an update every 2 months, and ACFT Calculator every 3 months. Most recently, Smart Card Utility was updated on October 23, 2026 and ACFT Calculator on October 28, 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.*