# Personal Formulator vs Debt Buddy

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.

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

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.

## The numbers

| Metric | Personal Formulator | Debt Buddy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (1 ratings)](https://appshunter.io/ios/app/personal-formulator/id296173495/reviews) | **[3.8 (4 ratings)](https://appshunter.io/ios/app/debt-buddy-money-tracker/id6743215073/reviews)** |
| Number of ratings | 1 | **4** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | — |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 19 MB | 33 MB |
| Requires iOS | 18.6 | **12.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com](https://appshunter.io/developer/1744330560) | [舰 何](https://appshunter.io/developer/1684644424) |

## 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 |


### Debt Buddy

[App page](https://appshunter.io/ios/app/debt-buddy-money-tracker/id6743215073)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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