# Personal Formulator vs Loan Calculator

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.

Both are free to download. Personal Formulator sells 1 one-off in-app purchase. Loan Calculator asks for nothing beyond the download.

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.

## The numbers

| Metric | Personal Formulator | Loan Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.0 (1 ratings)](https://appshunter.io/ios/app/personal-formulator/id296173495/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 3 months** | Every 15 months |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 22 MB |
| Requires iOS | 18.6 | **18.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com](https://appshunter.io/developer/1744330560) | [Adam Wilkie](https://appshunter.io/developer/893612520) |

## What reviewers say

### Personal Formulator

[App page](https://appshunter.io/ios/app/personal-formulator/id296173495)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $0.99 | one-time |


### Loan Calculator

[App page](https://appshunter.io/ios/app/loan-calculator-plus/id6448078053)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*