# Finance Formulator vs XL Delta

The clearest difference is rating: XL Delta at 5.0 against Finance Formulator's 3.0. XL Delta also leads on in-app purchases (none vs 1). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Finance Formulator sells 1 one-off in-app purchase. XL Delta asks for nothing beyond the download.

XL Delta holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

Finance Formulator ships an update every 3 months, XL Delta every 2 months. The most recent releases landed on October 27, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Finance Formulator | XL Delta |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/finance-formulator/id294194640/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/xl-delta-excel-formula-guide/id6758027866/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 18 MB | 5 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com](https://appshunter.io/developer/1744330560) | [Jonathan Burks](https://appshunter.io/developer/1822879152) |

## What reviewers say

### Finance Formulator

[App page](https://appshunter.io/ios/app/finance-formulator/id294194640)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Finance Formulator Pro | $2.99 | one-time |


### XL Delta

[App page](https://appshunter.io/ios/app/xl-delta-excel-formula-guide/id6758027866)

A quick reference for Excel and finance formulas, designed for immediate answers. It helps users find and understand formulas for spreadsheets, studies, or financial modeling. An optional AI feature can generate Excel templates based on user prompts.

**Highlights:** Excel and finance formula lookup, Understand formula usage, Save favorite formulas, Lightweight Excel companion, Optional AI template generation, Exportable AI-generated templates

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Finance Formulator free?

Finance Formulator is free to download, with in-app purchases available.

### Is XL Delta free?

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

### Which has better reviews, Finance Formulator or XL Delta?

XL Delta is rated higher. Finance Formulator averages 3.0 out of 5 from 2 ratings, while XL Delta averages 5.0 from 1 ratings.

### Do Finance Formulator or XL Delta have ads?

Neither Finance Formulator nor XL Delta shows ads.

### Which is updated more often, Finance Formulator or XL Delta?

Finance Formulator ships an update every 3 months, and XL Delta every 2 months. Most recently, Finance Formulator was updated on October 27, 2026 and XL Delta 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.*