Comparison

Finance Formulator vs Loan Payment & Amortization

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

Head to head
About

Finance Formulator

Access over 100 financial formulas with live market data. Calculate mortgages, loans, stock performance, and business metrics. Compare scenarios and track portfolios with real-time currency conversion.

Highlights
  • 100+ financial formulas
  • Live stock quotes
  • Real-time currency conversion
  • Portfolio tracking
  • Scenario comparison
  • Interactive charts
  • Save and share calculations
Features
Read full description

Finance Pro — 100+ Financial Calculators with Live Market Data Finance Pro is the most comprehensive financial calculator on the App Store. With over 100 formulas, live stock quotes, real-time currency conversion, and portfolio tracking, it's the only finance tool you need — whether you're a financial analyst, business student, investor, or someone calculating their next mortgage payment. LIVE MARKET INTEGRATION • Look up real-time stock quotes for any ticker symbol • Fetch live prices directly inside calculators — no switching between apps • Track your portfolio value with up to 10 stocks and live pricing • Calculate portfolio returns with annualized gains, cost basis, and holding period analysis • Convert any calculator result into 6+ major currencies using live exchange rates • Quick-convert foreign currency amounts into your local currency on any input field 100+ FINANCIAL CALCULATORS Every formula calculates your values and explains the meaning behind the results, combining a financial dictionary with a powerful calculator. Categories include: • Personal Finance — Mortgage payments, car loans, lease payments, tip calculator, housing affordability, and more • Stock Calculations — P/E ratio, price to book, price to sales, book value per share, payout ratio • Technical Analysis — Advance/decline, ARMS index, breadth thrust, Chande momentum, money flow index, and 10 more • Business Analysis — Break-even, inventory turnover, Z-score credit analysis, operating cycle, working capital • Business Valuation — NPV, WACC, DuPont ROE, EV/EBITDA, payback period, profitability index • Bond Calculations — Yield to maturity, bond duration, current yield, coupon rates • Investments — Holding period return, Rule of 72, capitalization rates, discounted value • Mortgage — Monthly payments, total carrying costs, points calculations • Debt Ratios — Acid test, debt to equity, interest coverage, asset utilization • Cost of Capital — Cost of debt, preferred stock, common stock, effective annual yield • Depreciation — Straight line, declining balance, double declining, value after years • Insurance — Actual cash value, reimbursement calculations • Interest Formulas — Future value, APR, installment loans, daily compounding • Accounts Receivable — Turnover ratios, average receivables, receivables by assets • Equity Ratios — Return on equity, opportunity cost, cash investment return • Rental Income & Gross Rent Multiplier — NOI, carrying costs, GRM analysis • Capitalization — Cap rate analysis and property valuation • Startup & Growth — Burn rate, runway, customer acquisition cost • Valuations — Asset-based, earnings-based, and comparable analysis POWERFUL TOOLS • Save calculations and revisit them anytime • Compare up to 4 scenarios side by side • Export and share results • 6 interactive chart types — growth curves, amortization, donut, waterfall, Z-score, and more • 30+ currencies supported with one-tap switching • Beautiful dark mode interface FINANCE PRO UPGRADE — $2.99 (Lifetime) Free users get 5 calculations per day, 3-stock portfolios, and full access to all formulas. Upgrade once for unlimited calculations, save and export, live price integration inside calculators, result currency conversion, scenario comparison, and 10-stock portfolios. One purchase. No subscriptions. Yours forever.

About

Loan Payment & Amortization

Calculate loan payments, visualize amortization schedules, and estimate loan amounts. Explore the impact of extra payments to save on interest and pay off loans faster. Understand the true cost of borrowing for mortgages, car loans, and more.

Highlights
  • Quick loan payment calculation
  • Loan amount estimator
  • Extra payment calculator
  • Amortization schedule
  • Principal vs. interest visualization
  • Export and share results
  • Offline functionality
Features
Read full description

Loan Payment & Amortization helps you quickly calculate monthly loan payments and understand how your loan changes over time. View a detailed amortization schedule, analyze interest costs, and explore how extra payments can help you pay off your loan faster. An amortization calculator shows how much of each payment goes toward principal and how much goes toward interest throughout the life of a loan. With just a few inputs, you can instantly see payment details, charts, and a complete payment schedule. Whether you're planning a mortgage, car loan, personal loan, or student loan, this app provides a simple and powerful way to understand the true cost of borrowing. *** Loan Calculator Features *** • Quick Loan Payment Calculation Enter your loan amount, interest rate, and loan term. Tap Calculate to instantly see your monthly payment. • Loan Amount Estimator Not sure how much you can borrow? Enter an affordable monthly payment and estimate the loan amount you may qualify for. • Extra Payment Calculator Add extra payments to see how much sooner your loan can be paid off and how much interest you can save. • Pie Chart Overview Visualize the percentage of principal versus interest compared to the total loan amount. • Principal & Interest Bar Chart See how principal and interest payments change throughout the life of the loan. • Detailed Amortization Schedule View a full breakdown of each monthly or annual payment, showing how much goes toward principal, interest, and remaining balance. • Save Last Calculation Automatically saves your last calculation so you can quickly continue without re-entering your data. • Export & Share Results Share your loan calculations as print-friendly PDFs via email, chat, or social networks. • Financial Terms Dictionary Includes a helpful glossary to learn important finance and accounting terms used in loans and business. • Works Offline All calculations work even without an internet connection. Understand your loan before you borrow and make better financial decisions with Loan Payment & Amortization. - Disclaimer - This calculator is provided as a self-help tool for your independent use and is not intended to provide financial or investment advice.

Screenshots

Finance Formulator4 screens
Loan Payment & Amortization4 screens

Verdict

The call

The clearest difference is rating: Loan Payment & Amortization at 4.1 against Finance Formulator's 3.0. Loan Payment & Amortization also leads on ratings volume (34 vs 2). Finance Formulator's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases 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

Both are free to download. Finance Formulator sells 1 one-off in-app purchase and Loan Payment & Amortization sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Loan Payment & Amortization holds the better App Store score, 4.1 against 3.0. That said, the two scores are not equally well evidenced: Loan Payment & Amortization has 34 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Finance Formulator ships an update every 3 months, Loan Payment & Amortization every 5 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
Finance Formulator versus Loan Payment & Amortization: the parameters behind the verdict, then further details
ParameterFinance FormulatorLoan Payment & Amortization
PriceFreeFree
Rating3.0 (2 ratings)4.1 (34 ratings) — better
Positive reviews75.0% of reviews—
Number of ratings234 — better
Update frequencyEvery 3 months — betterEvery 5 months
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.618.0 — better
Further details — not scored
Size18 MB26 MB
Age rating4+4+
DeveloperHistorycentral.comDo Tri

Customer experience

Finance Formulator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews12 reviews
Positive75.0%
Neutral8.3%
Negative16.7%

Loan Payment & Amortization

All ratings33 ratings
Positive78.8%
Neutral6.1%
Negative15.2%

In-app purchases

1 purchases

Finance Formulator

One-time1
  • Finance Formulator Pro$2.99
1 purchases

Loan Payment & Amortization

One-time1
  • Remove Ads$7.99

Questions

Is Finance Formulator free?
Finance Formulator is free to download, with in-app purchases available.
Is Loan Payment & Amortization free?
Loan Payment & Amortization is free to download, with in-app purchases available.
Which has better reviews, Finance Formulator or Loan Payment & Amortization?
Loan Payment & Amortization is rated higher. Finance Formulator averages 3.0 out of 5 from 2 ratings, while Loan Payment & Amortization averages 4.1 from 34 ratings.
Do Finance Formulator or Loan Payment & Amortization have ads?
Loan Payment & Amortization shows ads; Finance Formulator does not.
Which is updated more often, Finance Formulator or Loan Payment & Amortization?
Finance Formulator ships an update every 3 months, and Loan Payment & Amortization every 5 months. Most recently, Finance Formulator was updated on October 23, 2026 and Loan Payment & Amortization on October 22, 2026.

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