Personal Formulator vs WorthUp
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!
WorthUp
This app helps individuals and families track their net worth privately and securely. Monitor assets, liabilities, and investments with detailed charts and insights. Set financial goals and manage family portfolios with optional cloud sync.
- Offline-first net worth tracking
- Track assets and liabilities
- Net worth history charts
- Financial goal setting
- Family portfolio management
- Customizable categories
- Secure optional cloud sync
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WorthUp is a private, beautifully designed net worth tracker built for individuals and families who want to take control of their financial future. Track everything in one place — bank accounts, investments, real estate, loans, and more. Watch your wealth grow over time with clear charts and insights. --- PRIVATE BY DESIGN --- - Offline-First: Your financial data stays on your device. We do not have access to your data, and no account is required to start tracking. - No Data Sharing: Your information is never shared with us or third parties unless you explicitly choose to enable Cloud Sync. - Local Backups: Take full ownership of your data. Export a local backup file anytime and restore it on any device—no internet or cloud account required. - Secure Cloud Sync (Optional): If you choose to sync across devices, use your own Google account for private, encrypted backups that only you can access. --- WHAT YOU CAN DO --- - Add unlimited accounts across assets and liabilities - Track net worth history with 1Y, 2Y, 5Y and All-time charts - Set financial goals and track your progress with milestones - Get reminders to keep your portfolio updated - Manage family portfolios — track spouse and family member wealth separately - Switch between individual and household net worth views - Customize categories and account types to match your life --- PREMIUM FEATURES --- Upgrade to WorthUp Premium to unlock: - Full chart history (1Y, 2Y, 5Y and All-time) - Advanced wealth insights and growth tracking - Family portfolio management - Unlimited goals and reminders - Unlimited accounts - Custom categories and account types - App lock with Face ID or Touch ID --- BUILT FOR INDIA --- Indian number formatting, INR currency, and a clean OLED-friendly dark mode designed for Indian users tracking wealth in rupees. --- YOUR DATA, YOUR CONTROL --- - No ads, ever - No data sold to third parties - Works fully offline by default - Manual local backup & restore support Download WorthUp and start tracking what you've built with total peace of mind. Terms of Use : https://jamunlabs.com/terms
Screenshots
Verdict
The clearest difference is in-app purchases: WorthUp at none against Personal Formulator's 1. WorthUp also leads on update cadence (weekly vs every 3 months) and iOS requirement (13.0 vs 18.6). On price, ads, monetization model 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. WorthUp asks for nothing beyond the download.
Personal Formulator ships an update every 3 months, WorthUp weekly. The most recent releases landed on October 6, 2026 and October 8, 2026 respectively.
| Parameter | Personal Formulator | WorthUp |
|---|---|---|
| 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 | Weekly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 19 MB | 36 MB |
| Age rating | 4+ | 9+ |
| Developer | Historycentral.com | Rajat Rajput |
In-app purchases
Personal Formulator
- Premium$0.99
WorthUp
No in-app purchases
Questions
Is Personal Formulator free?
Is WorthUp free?
Do Personal Formulator or WorthUp have ads?
Which is updated more often, Personal Formulator or WorthUp?
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