# Amortization Calculator vs HSA Buddy

The clearest difference is review sentiment: HSA Buddy at 100% against Amortization Calculator's 33%. HSA Buddy also leads on in-app purchases (none vs 2) and rating (5.0 vs 4.6). Amortization Calculator's advantage is ads (none vs shown) and ratings volume (801 vs 1). On price, device support and iOS requirement there is nothing between them.

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

HSA Buddy holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Amortization Calculator has 801 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 33% of Amortization Calculator's written reviews are positive against 100% of HSA Buddy's.

Amortization Calculator ships an update every 6 months, HSA Buddy monthly. The most recent releases landed on October 27, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Amortization Calculator | HSA Buddy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (801 ratings)](https://appshunter.io/ios/app/amortization-calculator-calc/id1555174010/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hsa-buddy/id6754198214/reviews)** |
| Number of ratings | **801** | 1 |
| Positive reviews | 33.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 6 MB | 19 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Phan Nhat Đang](https://appshunter.io/developer/1437390098) | [Jack Belding](https://appshunter.io/developer/1847049050) |

## 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


### HSA Buddy

[App page](https://appshunter.io/ios/app/hsa-buddy/id6754198214)

Easily track your Health Savings Account (HSA) reimbursements by logging medical receipts directly to your Google Sheets and saving images to Google Drive. This app offers a private, portable, and audit-ready solution for managing your HSA finances without needing a separate account.

**Highlights:** Log medical receipts with vendor, amount, date, and image, Save receipts to Google Drive and data to Google Sheets, No server or HSA Buddy account required, Audit-ready and portable financial records, Filter and archive receipts, View saved receipt images in-app

**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 HSA Buddy free?

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

### Which has better reviews, Amortization Calculator or HSA Buddy?

HSA Buddy is rated higher. Amortization Calculator averages 4.6 out of 5 from 801 ratings, while HSA Buddy averages 5.0 from 1 ratings.

### Do Amortization Calculator or HSA Buddy have ads?

HSA Buddy shows ads; Amortization Calculator does not.

### Which is updated more often, Amortization Calculator or HSA Buddy?

Amortization Calculator ships an update every 6 months, and HSA Buddy monthly. Most recently, Amortization Calculator was updated on October 27, 2026 and HSA Buddy on October 21, 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.*