Personal Formulator vs Payback Buddy App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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!
Payback Buddy App
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PayBack Buddy is your personal loan reminder manager. Every time you lend money to friends or family, you can record the amount, set WhatsApp reminder templates, track full or partial repayments, and keep a clean history of who owes you what.
Screenshots
Verdict
The clearest difference is in-app purchases: Payback Buddy App at none against Personal Formulator's 1. Payback Buddy App also leads on update cadence (every 3 weeks vs every 3 months) and iOS requirement (15.6 vs 18.6). On price, ads 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
Both are free to download. Personal Formulator sells 1 one-off in-app purchase. Payback Buddy App asks for nothing beyond the download.
Personal Formulator ships an update every 3 months, Payback Buddy App every 3 weeks. The most recent releases landed on October 6, 2026 and October 13, 2026 respectively.
| Parameter | Personal Formulator | Payback Buddy App |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (1 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 18.6 | 15.6 — better |
| Further details — not scored | ||
| Size | 19 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Historycentral.com | Utopia Med Tech Private Limited |
In-app purchases
Personal Formulator
- Premium$0.99
Payback Buddy App
No in-app purchases
Questions
Is Personal Formulator free?
Is Payback Buddy App free?
Do Personal Formulator or Payback Buddy App have ads?
Which is updated more often, Personal Formulator or Payback Buddy App?
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