# Personal Formulator vs Payback Buddy App

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.

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.

## The numbers

| Metric | Personal Formulator | Payback Buddy App |
| --- | --- | --- |
| 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 | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 41 MB |
| Requires iOS | 18.6 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com](https://appshunter.io/developer/1744330560) | [Utopia Med Tech Private Limited](https://appshunter.io/developer/1695790348) |

## 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 |


### Payback Buddy App

[App page](https://appshunter.io/ios/app/payback-buddy-app/id6757747402)

**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 Payback Buddy App free?

Payback Buddy App is free to download, with no in-app purchases.

### Do Personal Formulator or Payback Buddy App have ads?

Neither Personal Formulator nor Payback Buddy App shows ads.

### Which is updated more often, Personal Formulator or Payback Buddy App?

Personal Formulator ships an update every 3 months, and Payback Buddy App every 3 weeks. Most recently, Personal Formulator was updated on October 6, 2026 and Payback Buddy App on October 13, 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.*