Personal Formulator vs CentPay
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!
CentPay
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CentPay – Spend Your Crypto Anywhere CentPay makes it easy to use your cryptocurrency for real-world spending. Deposit supported digital assets and convert them into fiat instantly, then spend using CentPay virtual cards — online, in stores, and globally. Designed for speed, security, and simplicity, CentPay bridges the gap between crypto and everyday payments. Key Features • Deposit and manage supported cryptocurrencies • Virtual cards for online and in-store payments • Real-time balance and transaction tracking • Secure authentication and data protection • Fast, low-fee transactions • User-friendly and intuitive interface Why Choose CentPay? • Use crypto like traditional money • Spend globally wherever cards are accepted • No complex setup — simple and efficient • Built with strong security standards CentPay empowers you to unlock the true value of your crypto by turning it into everyday spending power — fast, secure, and reliable. Download CentPay and experience seamless crypto payments today.
Screenshots
Verdict
The clearest difference is in-app purchases: CentPay at none against Personal Formulator's 1. CentPay also leads on update cadence (every 11 days vs every 3 months) and iOS requirement (15.0 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. CentPay asks for nothing beyond the download.
Personal Formulator ships an update every 3 months, CentPay every 11 days. The most recent releases landed on June 4, 2026 and September 30, 2026 respectively.
| Parameter | Personal Formulator | CentPay |
|---|---|---|
| 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 11 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 19 MB | 37 MB |
| Age rating | 4+ | 4+ |
| Developer | Historycentral.com Inc | CENTFX Limited |
In-app purchases
Personal Formulator
- Premium$0.99
CentPay
No in-app purchases






