Comparison

RECalc Pro vs Payoff AI

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

Head to head
About

RECalc Pro

Calculate mortgage loan details like monthly payments, interest rates, and loan amounts. It also functions as a standard calculator and can factor in property taxes, insurance, and down payments. View detailed loan summaries and amortization tables.

Highlights
  • Mortgage loan calculations
  • Standard mathematical calculator
  • Includes property tax and insurance
  • Supports semi-annual compounding
  • Loan summary and amortization table
  • Save and email loan data
Features
Currently charting
Read full description

RECalc is a Real Estate Mortgage Loan Calculator that is also a traditional Mathematical Calculator. You can use RECalc to calculate the Monthly Payment, Term, Interest Rate or Loan Amount for a loan, as well as standard mathematical calculations as you would in any other calculator. Once you modify any of the Calculation variables you can re-calculate any of the other values. You can also figure in Annual Property Tax, Homeowner's Insurance and Mortgage Insurance, as well as a Down Payment amount/percentage. RECalc supports semi-annual compounding (Canadian Amortization) in addition to normal monthly compounding. With a click, you can display the complete Loan Summary and Amortization Table for your calculation. You can also email this to your desktop or save the loan for future use. Whether you're a real estate professional, mortgage broker, first time home buyer or looking to refinance, you can have RECalc easily accessible on your iPhone or iPod touch.

About

Payoff AI

This app uses AI to create personalized debt repayment strategies, helping you become debt-free faster. It offers tools to track progress, visualize savings, and manage all your debts in one secure place.

Highlights
  • AI-powered debt repayment strategies
  • Track debt progress with visualizations
  • Compare payoff methods (Snowball, Avalanche)
  • Securely add and manage unlimited debts
  • Visualize interest savings and debt-free date
  • No account creation required
Read full description

Payoff AI is your personal debt elimination assistant, combining powerful financial tools with artificial intelligence to create customized debt repayment strategies that work for your unique situation. TAKE CONTROL OF YOUR FINANCIAL FUTURE • Add all your debts in one secure place • Track your progress with beautiful, intuitive visualizations • See exactly how much interest you're saving • Watch your debt-free date get closer with every payment AI-POWERED DEBT STRATEGIES • Get personalized recommendations based on your financial situation • Compare multiple payoff methods (Snowball, Avalanche, and Custom) • Receive AI-generated strategies that optimize your path to financial freedom • Save thousands in interest with smarter payment allocation VISUAL DEBT DASHBOARD • See your complete financial picture at a glance • Track your payoff progress with interactive charts • Monitor your monthly payment trends • Celebrate milestones on your debt-free journey SECURE & PRIVATE • Your financial data never leaves your device • Protect your information with Face ID/Touch ID • No account creation required • We respect your privacy - no data sharing or tracking POWERFUL DEBT MANAGEMENT TOOLS • Add unlimited debts and track payments • Visualize the impact of extra payments • See detailed breakdowns of interest vs. principal • Understand exactly where your money is going STAY MOTIVATED • Watch your progress increase with each payment • See how much time and money you're saving • Track your debt payoff journey with detailed statistics • Share your achievements (only if you want to!) Whether you're dealing with credit cards, student loans, car payments, or any other debt, Payoff AI gives you the tools and insights to become debt-free faster than you thought possible. Start your journey to financial freedom today with Payoff AI!

Screenshots

RECalc Pro4 screens
Payoff AI4 screens

Verdict

The call

The clearest difference is review sentiment: RECalc Pro at 86% against Payoff AI's 0%. RECalc Pro also leads on rating (4.8 vs 2.0) and ratings volume (385 vs 1). Payoff AI's advantage is update cadence (daily vs every 5 months). On ads, in-app purchases, monetization model and device support 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

RECalc Pro costs $0.99 and Payoff AI $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

RECalc Pro holds the better App Store score, 4.8 against 2.0. That said, the two scores are not equally well evidenced: RECalc Pro has 385 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 86% of RECalc Pro's written reviews are positive against 0% of Payoff AI's.

UpkeepUpdate frequency

RECalc Pro ships an update every 5 months, Payoff AI daily. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard7 real differences · 4 level
RECalc Pro versus Payoff AI: the parameters behind the verdict, then further details
ParameterRECalc ProPayoff AI
Price$0.99 — better$4.99
Rating4.8 (385 ratings) — better2.0 (1 ratings)
Positive reviews86.1% of reviews — better0.0% of reviews
Number of ratings385 — better1
Update frequencyEvery 5 monthsDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaidPaid
Best chart rank#51 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better18.2
Further details — not scored
Size2 MB21 MB
Age rating4+4+
Developer3magicKaila Consulting Inc.

Customer experience

RECalc Pro

All ratings385 ratings
Positive95.3%
Neutral2.6%
Negative2.1%
Written reviews36 reviews
Positive86.1%
Neutral0.0%
Negative13.9%

Payoff AI

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

RECalc Pro

Reported bugs

3 issues
  • App crashes when touching the 'go' arrow
  • Basic arithmetic operations ('+', '-', 'x', '/') do not work properly
  • Input screen has changed to unprofessional colors

Requested features

11 requests
  • Add HOA fees and other fixed monthly costs
  • Add yearly subtotal option
  • Add balloon payment option
  • Add cumulative totals after each year on Amortization Schedule
  • Add option to add upfront MIP on FHA loans
Show 6 more
  • Add MI option (mortgage insurance)
  • Add PITI button
  • Add easy way to calculate interest only payments
  • Add a way to email the amortization table with criteria listed
  • Add an iPad version
  • Add more options to add HOA fees and other fixed monthly costs

Payoff AI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

RECalc Pro

No in-app purchases

None

Payoff AI

No in-app purchases

Questions

Is RECalc Pro free?
RECalc Pro costs $0.99, with no in-app purchases.
Is Payoff AI free?
Payoff AI costs $4.99, with no in-app purchases.
Which has better reviews, RECalc Pro or Payoff AI?
RECalc Pro is rated higher. RECalc Pro averages 4.8 out of 5 from 385 ratings, while Payoff AI averages 2.0 from 1 ratings.
Do RECalc Pro or Payoff AI have ads?
Neither RECalc Pro nor Payoff AI shows ads.
Which is updated more often, RECalc Pro or Payoff AI?
RECalc Pro ships an update every 5 months, and Payoff AI daily. Most recently, RECalc Pro was updated on October 24, 2026 and Payoff AI on October 25, 2026.

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