# Amortization Calculator vs SaveSpend3

The clearest difference is in-app purchases: SaveSpend3 at none against Amortization Calculator's 2. SaveSpend3 also leads on update cadence (every 9 days vs every 6 months). Amortization Calculator's advantage is iOS requirement (15.0 vs 17.0). On price, ads and device support there is nothing between them.

Both are free to download. Amortization Calculator sells 2 in-app purchases, starting at $12.99 per year. SaveSpend3 asks for nothing beyond the download.

Amortization Calculator ships an update every 6 months, SaveSpend3 every 9 days. The most recent releases landed on October 27, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Amortization Calculator | SaveSpend3 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (801 ratings)](https://appshunter.io/ios/app/amortization-calculator-calc/id1555174010/reviews)** | — |
| Number of ratings | **801** | — |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 9 days** |
| Monetization | Free with in-app purchases | — |
| Size | 6 MB | 2 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Phan Nhat Đang](https://appshunter.io/developer/1437390098) | [29Apps LLC](https://appshunter.io/developer/1817021563) |

## What reviewers say

### Amortization Calculator

[App page](https://appshunter.io/ios/app/amortization-calculator-calc/id1555174010)

Estimate monthly loan payments and visualize repayment schedules with detailed amortization charts. Input loan amount, interest rate, and term to see monthly payments, total interest, and total repayment. Offers both annual and monthly breakdowns for clear financial planning.

**Highlights:** Monthly loan payment estimation, Amortization chart generation, Total interest calculation, Total payment calculation, Annual amortization schedule, Monthly amortization schedule

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual Premium Package | $12.99 | per year |
| Unlock all features | $4.99 | one-time |

**What reviewers like**

- 🚀 Easy to use
- 🚀 Super fast and inexpensive
- 👍 Beautiful design

**What reviewers complain about**

- 🐛 Unable to input decimal values
- 💰 Paid subscription required
- 🐛 Incorrect monthly payment calculations
- 🔍 Infested with ads despite paid subscription

**Reported bugs**

- Incorrect monthly payment calculations
- Crashes and freezes

**Requested features**

- Extra payment calculation options (e.g., extra monthly, yearly, or one-time payment)
- Amortization schedule


### SaveSpend3

[App page](https://appshunter.io/ios/app/savespend3/id6746460033)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Amortization Calculator free?

Amortization Calculator is free to download, with in-app purchases available.

### Is SaveSpend3 free?

SaveSpend3 is free to download, with no in-app purchases.

### Do Amortization Calculator or SaveSpend3 have ads?

Neither Amortization Calculator nor SaveSpend3 shows ads.

### Which is updated more often, Amortization Calculator or SaveSpend3?

Amortization Calculator ships an update every 6 months, and SaveSpend3 every 9 days. Most recently, Amortization Calculator was updated on October 27, 2026 and SaveSpend3 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.*