Comparison

Amortization Calculator vs NoteHarbor Calculator

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

Head to head
About

Amortization Calculator

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
Read full description

Use this app to estimate your monthly loan payment and review an amortization chart. Simply enter the loan amount, loan term, and interest rate, and the app will calculate your monthly payment, total interest, and total payment. You can also view annual or monthly amortization schedules and charts. The app is intuitive, simple, and easy to use. DISCLAIMER: This app is a calculation tool and does not provide financial, investment, legal, or tax advice. Results are for reference only and should not be used as the sole basis for financial decisions. Users should evaluate information independently and exercise caution before making any decisions. SUBSCRIPTION INFORMATION: This subscription gives users unlimited access to all app features during the active subscription period. • Payment will be charged to your iTunes Account at confirmation of purchase. • The subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours before the end of the current period, and the renewal cost will be shown. • Subscriptions may be managed by the user, and auto-renewal may be turned off in the user's Account Settings after purchase. • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription, where applicable. Privacy Policy: https://13520178.github.io/amortizationCalc/policy.html Terms of Use: https://13520178.github.io/amortizationCalc/terms.html We are happy to serve you. If you have any requests, don’t hesitate to contact us. - phannhatd@gmail.com

About

NoteHarbor Calculator

Features
Read full description

NoteHarbor Calculator is a free, offline toolkit for private note investors, seller-finance lenders, and anyone who needs fast, exact loan math. Six calculators plus a full financial calculator, each penny-accurate: • Financial calculator — a five-key time-value-of-money calculator: enter any four of N, I/YR, PV, PMT, FV and solve the fifth. • Amortizing loan — level P&I payment, total interest, total cost, payoff date, and a full amortization schedule. • Interest-only — flat interest payment with the principal due as a balloon at maturity. • Balloon loan — payment sized on a long amortization with the full balance due as a balloon. • Recast — apply a lump-sum curtailment and see your new, lower payment re-amortized over the same remaining term. Your payoff date doesn't change. • Payoff — per-diem interest and the exact total to pay a note off on any date. • Affordability — work backward from a payment you can afford to the loan amount it supports. Every result gives you a clear headline number, a plain-English explanation, and one-tap Share / Copy — plus PDF / PNG export with Calculator Pro. Why it's different: the math is identical to NoteHarbor's loan-servicing platform — integer-cents precision, standard statement rounding, and the same formulas used to service real loans. No accounts, no login; the calculators work offline. The free version is ad-supported, and Calculator Pro ($6.99, one-time) removes ads and unlocks PDF/PNG export. When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.

Screenshots

Amortization Calculator3 screens
NoteHarbor Calculator4 screens

Verdict

The call

The clearest difference is ads: Amortization Calculator at none against NoteHarbor Calculator's shown. NoteHarbor Calculator's advantage is update cadence (every 9 days vs every 6 months). On price, in-app purchases, device support and iOS requirement 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. Amortization Calculator sells 2 in-app purchases, starting at $12.99 per year and NoteHarbor Calculator sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Amortization Calculator ships an update every 6 months, NoteHarbor Calculator every 9 days. The most recent releases landed on October 17, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
Amortization Calculator versus NoteHarbor Calculator: the parameters behind the verdict, then further details
ParameterAmortization CalculatorNoteHarbor Calculator
PriceFreeFree
Rating4.6 (801 ratings) — better—
Positive reviews33.3% of reviews—
Number of ratings801 — better—
Update frequencyEvery 6 monthsEvery 9 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size6 MB49 MB
Age rating4+4+
DeveloperPhan Nhat ĐangCODY JOE MCDONALD

Bugs and requests

Amortization Calculator

Reported bugs

2 issues
  • Incorrect monthly payment calculations
  • Crashes and freezes

Requested features

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

NoteHarbor Calculator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Amortization Calculator

Subscriptions1
  • Annual Premium Package7 Days trial$12.991 Year
One-time1
  • Unlock all features$4.99
1 purchases

NoteHarbor Calculator

One-time1
  • Calculator Pro$6.99

Questions

Is Amortization Calculator free?
Amortization Calculator is free to download, with in-app purchases available.
Is NoteHarbor Calculator free?
NoteHarbor Calculator is free to download, with in-app purchases available.
Do Amortization Calculator or NoteHarbor Calculator have ads?
NoteHarbor Calculator shows ads; Amortization Calculator does not.
Which is updated more often, Amortization Calculator or NoteHarbor Calculator?
Amortization Calculator ships an update every 6 months, and NoteHarbor Calculator every 9 days. Most recently, Amortization Calculator was updated on October 17, 2026 and NoteHarbor Calculator on October 10, 2026.

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