# Personal Formulator vs CentPay

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.

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.

## The numbers

| Metric | Personal Formulator | CentPay |
| --- | --- | --- |
| 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 11 days** |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 37 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com Inc](https://appshunter.io/developer/1744330560) | [CENTFX Limited](https://appshunter.io/developer/1792239795) |

## 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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $0.99 | one-time |


### CentPay

[App page](https://appshunter.io/ios/app/centpay/id6758323521)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Personal Formulator free?

Personal Formulator is free to download, with in-app purchases available.

### Is CentPay free?

CentPay is free to download, with no in-app purchases.

### Do Personal Formulator or CentPay have ads?

Neither Personal Formulator nor CentPay shows ads.

### Which is updated more often, Personal Formulator or CentPay?

Personal Formulator ships an update every 3 months, and CentPay every 11 days. Most recently, Personal Formulator was updated on June 4, 2026 and CentPay on September 30, 2026.

---

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