Comparison

Personal Formulator vs Loan Calculator

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

Head to head
About

Personal Formulator

This app offers a comprehensive suite of nearly 30 personal calculation tools, including financial planning, loan amortization, and unit conversions. It helps users understand discounts, manage car payments, and track savings goals. Users can also save preferred formulas and create custom lists for easy access.

Highlights
  • Nearly 30 personal calculation formulas
  • Financial goal tracking
  • Loan and mortgage calculations
  • Multiple discount analysis
  • Unit and cooking conversions
  • Save and organize preferred formulas
  • Formula charting options
Features
Read full description

PERSONAL FORMULATOR (PFormulator) is the only tool you need for personal calculations. With nearly 30 formulas PFormulator will calculate your tips and how much a new purchase will increase your minimuim credit card purchase. In this day of wild sales, it will tell you the true meaning of multiple discounts. PERSONAL FORMULATOR includes: formulas for calculating car payments, mortgages as well as, how much you must save to reach a specific financial goal. The app also includes conversion formulas for many daily needs: such as miles to Kilometers, or meters to feet... cooking conversion formulas that convert tablespoons to milliliters or ounces to grams... tip calculations, car loans, insurance reimbursements, and monthly car loans. All formulas can be saved for future reference. A number of the formulas include charting as an option. In addition, you can create your own list of preferred formulas. PFormulator is a great formula calculator!

About

Loan Calculator

Features
Read full description

Compare loan offers before you sign and see the real cost of borrowing. Loan Calculator: Plus is a fast fixed-rate loan calculator for payments, total interest, payoff timing, saved scenarios, and amortization schedules. Use it to estimate mortgages, auto loans, personal loans, student loans, business financing, refinancing, and debt payoff plans. Built for clear borrowing decisions: - Calculate payment, total interest, total paid, and payoff count - Model mortgage, auto, personal, student, business, and custom loan scenarios - Switch between monthly, biweekly, weekly, and annual payments - Choose annual, monthly, or daily compounding - Add recurring extra principal or one-time payments - See interest saved, time saved, and payments saved - Review a full amortization schedule with principal, interest, extra principal, and remaining balance - Save scenarios and compare similar offers side by side - Export schedules as CSV files or PDF reports - Choose currency and number formatting for your region - Keep loan details on device with no account required Use Loan Calculator: Plus when you need to: - Compare dealer financing with a bank or credit union offer - Estimate a fixed-rate mortgage payment or refinance option - Check the total cost of a personal loan - Review student loan or business financing scenarios - Decide whether extra payments are worth it - Share clear numbers with a partner, client, or advisor Loan Calculator: Plus keeps the math simple, readable, and private. Your saved scenarios stay on your device, and the app does not upload your loan values or saved scenario details. Estimates are for planning purposes and are not financial, legal, or tax advice. Confirm final terms, fees, and payment schedules with your lender. Download Loan Calculator: Plus and make your next borrowing decision with clearer numbers.

Screenshots

Personal Formulator4 screens
Loan Calculator3 screens

Verdict

The call

The clearest difference is in-app purchases: Loan Calculator at none against Personal Formulator's 1. Personal Formulator's advantage is ads (none vs shown) and update cadence (every 3 months vs every 15 months). On price, 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. Personal Formulator sells 1 one-off in-app purchase. Loan Calculator asks for nothing beyond the download.

UpkeepUpdate frequency

Personal Formulator ships an update every 3 months, Loan Calculator every 15 months. The most recent releases landed on October 6, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 7 level
Personal Formulator versus Loan Calculator: the parameters behind the verdict, then further details
ParameterPersonal FormulatorLoan Calculator
PriceFreeFree
Rating2.0 (1 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 months — betterEvery 15 months
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.618.0 — better
Further details — not scored
Size19 MB22 MB
Age rating4+4+
DeveloperHistorycentral.comAdam Wilkie

In-app purchases

1 purchases

Personal Formulator

One-time1
  • Premium$0.99
None

Loan Calculator

No in-app purchases

Questions

Is Personal Formulator free?
Personal Formulator is free to download, with in-app purchases available.
Is Loan Calculator free?
Loan Calculator is free to download, with no in-app purchases.
Do Personal Formulator or Loan Calculator have ads?
Loan Calculator shows ads; Personal Formulator does not.
Which is updated more often, Personal Formulator or Loan Calculator?
Personal Formulator ships an update every 3 months, and Loan Calculator every 15 months. Most recently, Personal Formulator was updated on October 6, 2026 and Loan Calculator on October 3, 2026.

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