Comparison

Qualifier Plus IIIx/fx vs HomePal

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Qualifier Plus IIIx/fx

This app provides advanced real estate and mortgage finance calculations for professionals. It offers instant solutions for loan payments, buyer qualifying, cash flow analysis, and more, directly on your mobile device.

Highlights
  • Instant loan payment calculations (P&I, PITI)
  • Buyer qualifying for conventional, FHA, and VA loans
  • Complete cash flow solutions (IRR, NPV, NFV)
  • Amortization schedules with remaining balances
  • Bi-weekly loans and ARMS calculations
  • Rent vs. Buy comparisons
  • Date Math function
Features
Currently charting
Read full description

Two in one: the official Qualifier Plus® IIIx from Calculated Industries for your iPhone and iPad includes two models: #3415 and #3430 (Qualifier Plus IIIfx). And while perhaps obvious, if you change from an iOS device to a non-iOS device, you WILL need to buy a new license as they are incompatible. Advanced Residential and Commercial Mortgage Finance Calculator for Agents, Brokers, Investors, Attorneys, Loan Officers and other Mortgage Industry Professionals The Qualifier Plus® IIIx app from Calculated Industries gives real estate and mortgage professionals the power, portability and ease-of-use of the Qualifier Plus IIIx and Qualifier Plus IIIfx on your iPhone or iPad. Get instant access to P&I, PITI and total loan payments for conventional, FHA and VA loans. Includes complete buyer qualifying and more. Ideal for all real estate finance professionals including agents, brokers, investors, mortgage lenders, title offices and trainers. Need answers to both common and advanced real estate finance problems? Just pull out your iPhone or iPad, tap on the Qualifier Plus icon, and you’ll have the answers for your client in seconds. • Complete Cash Flow solutions including Internal Rate of Return, Net Present Value and Net Future Value • Qualifying keys provide on-the-spot buyer qualifying for conventional, FHA and VA loans • Instantly solve your clients’ real estate finance questions • E-mail loan worksheets to your clients from your iPhone Built-in functions help you find instant solutions for: • Calculate IRR for multiple cash flows • Amortizations with remaining balances • Bi-weekly loans and ARMS • Rent vs. Buy comparisons and estimated tax savings • Future Value, property appreciation FEATURES: • Created by Calculated Industries, the originator of the Real Estate Master and Qualifier Plus Real Estate and mortgage calculators • Amortization screen lets you see all amortization or loan data at once and e-mail it directly from the app screen on your phone • Built-in help – just press and hold the desired key for full, clear definitions, explanations and examples of keystrokes Time-saving Utilities Include: • Date Math function lets you instantly see closing and expire dates • Triple Zero key saves time and keystrokes • Memory Function • User-Definable Preferences — define and store payments per year, taxes and insurance Special Functions: • Entry-editing backspace key – with a swipe of a finger • Works as a standard calculator • Free User Guide available at www.calculated.com SUBSCRIPTION INFORMATION: The first 7 days are free. Subscriptions offered will automatically renew at the end of the chosen period. Payment will be charged to your Apple account upon purchase confirmation. The subscription will automatically renew unless auto-renew is turned off or subscription is canceled in settings at least one day (24-hours) before the subscription period ends. You can manage your subscription and turn off auto-renewal in your Apple account Settings > Account (Apple ID) > Subscriptions. TRADEMARKS: Qualifer Plus® is a registered trademark of Calculated Industries, Inc.

About

HomePal

Easily calculate mortgage payments with a suite of precise calculators. Navigate the home buying process with educational content and connect directly with your loan officer for professional advice and document management.

Highlights
  • 13 precise mortgage calculators
  • Home affordability estimation
  • Refinance decision support
  • Step-by-step home buying guide
  • Loan program identification
  • Secure document upload
  • Direct loan officer messaging
Features
Read full description

Need an easier, more accurate way to calculate your monthly mortgage payments? Need help navigating through the mortgage process? Need to contact your loan officer efficiently? This app will do the work for you with a suite of robust mortgage calculators, educational and interactive mortgage content, and instant access to your loan officer. FHA, Conventional, VA, USDA and Jumbo calculations INCLUDING: Mortgage Insurance (MI), HOA, Hazard Insurance and Property Tax components! Explore the home buying process with the Step-By-Step Guide or determine which program is right for you. Receive professional advice and updates on the go with direct messaging and push notifications. App Features:· Calculate payments to the penny with 13 precise calculators· Estimate home affordability· Decide whether or not to refinance· Chart your home buying journey with step-by-step guide· Identify the right loan program · Track your progress with interactive checklist· Stay informed with mobile blogs· Scan and upload your loan documents securely· Connect instantly with your loan officer via messaging and push notifications calculations: - FHA Mortgage Payment Calculator (including FHA Upfront MIP) - Conventional Mortgage Payment Calculator (including PMI, HOA and Taxes) - VA Mortgage Payment Calculator (including VA Funding Fee) - USDA Mortgage Payment Calculator (including USDA Funding Fee)

Screenshots

Qualifier Plus IIIx/fx4 screens
HomePal3 screens

Verdict

The call

The clearest difference is in-app purchases: HomePal at none against Qualifier Plus IIIx/fx's 2. HomePal also leads on update cadence (monthly vs every 10 months) and iOS requirement (13.0 vs 15.0). Qualifier Plus IIIx/fx's advantage is ratings volume (3.5K vs 1) and chart position (#162 vs unranked). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Qualifier Plus IIIx/fx sells 2 in-app purchases, starting at $5.99 per month. HomePal asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Qualifier Plus IIIx/fx against 5.0 for HomePal. That said, the two scores are not equally well evidenced: Qualifier Plus IIIx/fx has 3.5K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Qualifier Plus IIIx/fx ships an update every 10 months, HomePal monthly. The most recent releases landed on October 29, 2026 and October 11, 2026 respectively.

Scorecard6 real differences · 5 level
Qualifier Plus IIIx/fx versus HomePal: the parameters behind the verdict, then further details
ParameterQualifier Plus IIIx/fxHomePal
PriceFreeFree
Rating4.9 (3.5K ratings)5.0 (1 ratings) — better
Positive reviews89.2% of reviews—
Number of ratings3.5K — better1
Update frequencyEvery 10 monthsMonthly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationSubscriptionFree — better
Best chart rank#162 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size28 MB62 MB
Age rating12+17+
DeveloperCalculated IndustriesHomePal LLC

Customer experience

Qualifier Plus IIIx/fx

All ratings3,489 ratings
Positive98.5%
Neutral0.6%
Negative1.0%
Written reviews74 reviews
Positive89.2%
Neutral1.4%
Negative9.5%

HomePal

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Qualifier Plus IIIx/fx

Reported bugs

2 issues
  • Numbers not saving or changing
  • Compatibility issues with newer devices

Requested features

3 requests
  • Dark mode option
  • Basic free version
  • Improved user guide and documentation

HomePal

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Qualifier Plus IIIx/fx

Subscriptions2
  • 1 Month Full Access7 Days trial$5.991 Month
  • 1 Year Full Access7 Days trial$29.991 Year
None

HomePal

No in-app purchases

Questions

Is Qualifier Plus IIIx/fx free?
Qualifier Plus IIIx/fx is free to download, with in-app purchases available.
Is HomePal free?
HomePal is free to download, with no in-app purchases.
Which has better reviews, Qualifier Plus IIIx/fx or HomePal?
HomePal is rated higher. Qualifier Plus IIIx/fx averages 4.9 out of 5 from 3.5K ratings, while HomePal averages 5.0 from 1 ratings.
Do Qualifier Plus IIIx/fx or HomePal have ads?
Neither Qualifier Plus IIIx/fx nor HomePal shows ads.
Which is updated more often, Qualifier Plus IIIx/fx or HomePal?
Qualifier Plus IIIx/fx ships an update every 10 months, and HomePal monthly. Most recently, Qualifier Plus IIIx/fx was updated on October 29, 2026 and HomePal on October 11, 2026.

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