# Personal Formulator vs RuinRisk

The clearest difference is review sentiment: RuinRisk at 80% against Personal Formulator's 0%. RuinRisk also leads on rating (4.0 vs 2.0). Personal Formulator's advantage is monetization model (free with in-app purchases vs paid). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Personal Formulator sells 1 one-off in-app purchase and RuinRisk sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

RuinRisk holds the better App Store score, 4.0 against 2.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews point the same way: 0% of Personal Formulator's written reviews are positive against 80% of RuinRisk's.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 6, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Personal Formulator | RuinRisk |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (1 ratings)](https://appshunter.io/ios/app/personal-formulator/id296173495/reviews) | **[4.0 (1 ratings)](https://appshunter.io/ios/app/ruinrisk/id983505276/reviews)** |
| Number of ratings | 1 | 1 |
| Positive reviews | 0.0% of reviews | **80.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | **Free with in-app purchases** | Paid |
| Size | 19 MB | 2 MB |
| Requires iOS | 18.6 | **18.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Historycentral.com](https://appshunter.io/developer/1744330560) | [RYUICHIROU SHIMONO](https://appshunter.io/developer/696880855) |

## 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 |


### RuinRisk

[App page](https://appshunter.io/ios/app/ruinrisk/id983505276)

Visualize your investment and trading risk with this intuitive calculator. Easily adjust parameters like risk per trade and win rate to understand your probability of ruin. Offers both basic and advanced analysis modes for beginners and experienced traders.

**Highlights:** Probability of Ruin Simulation, Heatmap Risk Visualization, Monte Carlo Simulations (Pro Mode), Maximum Drawdown Estimation (Pro Mode), Drawdown Probability Analysis (Pro Mode), Strategy Comparison

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| RuinRisk Premium | $2.99 | one-time |


## Frequently asked questions

### Is Personal Formulator free?

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

### Is RuinRisk free?

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

### Which has better reviews, Personal Formulator or RuinRisk?

RuinRisk is rated higher. Personal Formulator averages 2.0 out of 5 from 1 ratings, while RuinRisk averages 4.0 from 1 ratings.

### Do Personal Formulator or RuinRisk have ads?

Neither Personal Formulator nor RuinRisk shows ads.

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

Personal Formulator ships an update every 3 months, and RuinRisk every 3 months. Most recently, Personal Formulator was updated on October 6, 2026 and RuinRisk on October 24, 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.*