Comparison

Personal Formulator vs Debt Buddy

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

Debt Buddy

This app helps you track and manage personal debts and loans. It offers features like payment reminders, interest calculation, and a simple interface to monitor repayment progress.

Highlights
  • Easy debt tracking
  • Payment reminders
  • Interest calculation
  • Intuitive design
  • Local data storage
Features
Read full description

Take Control of Your Finances with Debt Buddy Debt Buddy is your personal debt tracker and manager, designed to help you stay on top of your loans, repayments, and financial commitments. Whether you are borrowing from friends, managing personal loans, or tracking credit card debt, Debt Buddy makes it simple and stress-free. Key Features: Easy Debt Tracking: Add new debts, set due dates, and monitor repayment progress effortlessly. Payment Reminders: Never miss a payment with timely notifications. Interest Calculation: Automatically calculate interest rates and repayment schedules. Simple & Intuitive Design: Clean interface for seamless financial management. Your loan details are stored locally on your device — we do not collect or store your financial data. The app only uses your device ID for personalized ads. Take charge of your financial future. Download Debt Buddy now and simplify your debt management!

Screenshots

Personal Formulator4 screens
Debt Buddy4 screens

Verdict

The call

The clearest difference is review sentiment: Debt Buddy at 100% against Personal Formulator's 0%. Debt Buddy also leads on rating (3.8 vs 2.0) and in-app purchases (none vs 1). Personal Formulator's advantage is ads (none vs shown). On price 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. Personal Formulator sells 1 one-off in-app purchase. Debt Buddy asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debt Buddy holds the better App Store score, 3.8 against 2.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively. Written reviews point the same way: 0% of Personal Formulator's written reviews are positive against 100% of Debt Buddy's.

Scorecard7 real differences · 3 level
Personal Formulator versus Debt Buddy: the parameters behind the verdict, then further details
ParameterPersonal FormulatorDebt Buddy
PriceFreeFree
Rating2.0 (1 ratings)3.8 (4 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings14 — better
Update frequencyEvery 3 months—
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.612.0 — better
Further details — not scored
Size19 MB33 MB
Age rating4+4+
DeveloperHistorycentral.com舰 何

Customer experience

Personal Formulator

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Debt Buddy

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Personal Formulator

One-time1
  • Premium$0.99
None

Debt Buddy

No in-app purchases

Questions

Is Personal Formulator free?
Personal Formulator is free to download, with in-app purchases available.
Is Debt Buddy free?
Debt Buddy is free to download, with no in-app purchases.
Which has better reviews, Personal Formulator or Debt Buddy?
Debt Buddy is rated higher. Personal Formulator averages 2.0 out of 5 from 1 ratings, while Debt Buddy averages 3.8 from 4 ratings.
Do Personal Formulator or Debt Buddy have ads?
Debt Buddy shows ads; Personal Formulator does not.

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