Comparison

Personal Formulator vs inxits

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

inxits

Features
Read full description

About inXits inXits is India's intelligence-first wealth app, built by Ocean Finvest India Private Limited, a SEBI-Registered Investment Adviser (RIA). We don't just recommend investments—we analyze them. Most investment apps tell you what to buy. inXits helps you understand why an investment is suitable and whether it aligns with your financial goals, risk profile, and portfolio. As a fiduciary SEBI-Registered Investment Adviser, our recommendations are conflict-free by design—we answer to you, not product manufacturers. AI-powered insights help you make informed investment decisions with confidence. Key Features for Smart Wealth Creation 1. Holistic Portfolio View via Account Aggregator (AA) Framework Securely connect your financial accounts using the consent-based Account Aggregator (AA) framework and view your bank accounts, external mutual funds, and financial assets in one real-time dashboard. 2. Advanced Portfolio Analytics & Wealthscore Our AI-powered inXits Ranking analyzes 5,000+ mutual funds based on your goals and risk profile. Track: Portfolio XIRR Wealthscore Benchmark comparison Portfolio insights Fund suitability 3. Advanced Transaction Combinations (SIP, STP, SWP) Build a disciplined investment strategy. Start SIPs daily, weekly, or monthly. Transfer investments through STP (Systematic Transfer Plan). Generate planned income using SWP (Systematic Withdrawal Plan). 4. Instant Loan Against Mutual Funds (LAMF) Access liquidity without redeeming your investments. Pledge eligible mutual fund units digitally and avail instant overdraft facilities while keeping your investments growing. 5. Essential Reports & Tracking Access: Capital gains reports Tax reports ELSS summaries Portfolio statements External mutual fund tracking Our Products & Offerings All-In-One Mutual Fund Investing Invest in over 5,000 mutual fund schemes from India's leading Asset Management Companies (AMCs), including SBI, HDFC, ICICI Prudential, Axis, Mirae Asset, Parag Parikh, Motilal Oswal, Quant, Bandhan, Kotak, Nippon India and many more. Start investing with as little as ₹100. Invest across Large Cap, Mid Cap, Small Cap, Flexi Cap, Index, Debt, Hybrid, Liquid, ELSS and Sectoral Funds. Use the Smart SIP Calculator to estimate long-term wealth creation. Instant Redeem on eligible Liquid Funds allows withdrawals up to ₹50,000 or applicable limits. Bonds & Fixed Income Diversify your portfolio with curated bond and fixed-income opportunities designed to provide stable returns aligned with your investment objectives. Ocean Finvest India Private Limited SEBI Registered Investment Adviser | Registration No. INA000020369 SEBI Registered Research Analyst | Registration No. INH000019460 Principal Officer Email: direct@inxits.com Customer Support: services@oceanfinvest.in CONTACT & SUPPORT Principal Officer: direct@inxits.com Support: services@oceanfinvest.in Website: www.inxits.com REGULATORY & COMPLIANCE DISCLOSURE inXits is a mobile application offered by Ocean Finvest India Private Limited, a SEBI-Registered Investment Adviser (RIA). We use encryption, secure authentication, and consent-based data sharing through the Account Aggregator framework to protect your financial information. All content, analytics, rankings, and investment insights are provided for educational and informational purposes only. Past performance is not indicative of future results, and no returns are guaranteed. Investment views are general in nature and may not be suitable for every investor. Please consult a qualified financial adviser before making investment decisions. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Screenshots

Personal Formulator4 screens
inxits4 screens

Verdict

The call

The clearest difference is in-app purchases: inxits at none against Personal Formulator's 1. inxits also leads on update cadence (every 4 days vs every 3 months). On price, ads, device support and iOS requirement 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. inxits asks for nothing beyond the download.

UpkeepUpdate frequency

Personal Formulator ships an update every 3 months, inxits every 4 days. Both last shipped on October 6, 2026.

Scorecard2 real differences · 8 level
Personal Formulator versus inxits: the parameters behind the verdict, then further details
ParameterPersonal Formulatorinxits
PriceFreeFree
Rating2.0 (1 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 4 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.617.0 — better
Further details — not scored
Size19 MB58 MB
Age rating4+4+
DeveloperHistorycentral.comOCEAN FINVEST INDIA PRIVATE LIMITED

In-app purchases

1 purchases

Personal Formulator

One-time1
  • Premium$0.99
None

inxits

No in-app purchases

Questions

Is Personal Formulator free?
Personal Formulator is free to download, with in-app purchases available.
Is inxits free?
inxits is free to download, with no in-app purchases.
Do Personal Formulator or inxits have ads?
Neither Personal Formulator nor inxits shows ads.
Which is updated more often, Personal Formulator or inxits?
Personal Formulator ships an update every 3 months, and inxits every 4 days. Most recently, Personal Formulator was updated on October 6, 2026 and inxits on October 6, 2026.

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