Qualifier Plus IIIx/fx vs RateWatch
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
RateWatch
This app provides mortgage professionals with real-time MBS market data and alerts. It uses interactive charting to display market movements, helping users protect clients and maximize loan advice by avoiding surprises. Professionals can spot trends with historical data and gain a competitive edge.
- Real-time MBS market movements
- Instant market movement notifications
- Interactive charting technology
- Historical market data for trend spotting
- DayWatch 5-minute interval plotting
- Multiple moving averages and time frames
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With RateWatch®, you can always be the expert. Designed by professionals for professionals, RateWatch® by Mortgage Coach is the ultimate MBS monitoring strategy. RateWatch deploys the latest interactive charting technology to ensure clear delivery of up-to-the-minute market movements. Professionals with RateWatch are always up to date on what matters most. RateWatch by Mortgage Coach is the only app that gives mortgage professionals the power to: • See MBS market movements as they occur • Never miss key market movements with real-time alerts • Protect your clients and keep your promises • Maximize your advice on every loan by avoiding market surprises • Spot market trends with historical market data • Beat your competition by being the expert RateWatch takes the guesswork out of key decisions. Designed to help make understanding market changes simple, RateWatch is the first app to deliver the vast array of market insight professionals need on smartphones and tablets. App Interaction Highlights - DayWatch plots the progress of the highlighted coupon in 5-minute intervals. - Significant market movements trigger an instant app notification. - Easily switch between various bonds and coupon rates with a touch. - Add multiple moving averages and different time frames to uncover trends and patterns. - Wide varieties of shared industry commentary provide opinions, statistics and market insight. RateWatch® by Mortgage Coach provides the insight you need on the devices you love. * RateWatch is provided to licensed Mortgage Professionals enrolled in Mortgage Coach. * Mortgage Coach, which includes RateWatch is offered to qualified licensed mortgage professionals, lenders, and banks for an annual or monthly subscription. * Mortgage Coach provides a suite of mobile apps in addition to our award winning desktop software and education solutions as part of enrollment in Mortgage Coach. Use your Mortgage Coach credentials to login to RateWatch today. * RateWatch® is a registered trademark of WowTools, Inc * Mobile app capabilities are part of our enterprise services package which includes coaching, integration, and desktop software services and there is not a paid upgrade for RateWatch mobile access currently outside the app. An individual licensed lender is only able to purchase access to an individual version of our complete education services - on a monthly or annual basis . We'd love to hear your feedback! Email us anytime: support@mortagecoach.com
Screenshots
Verdict
The clearest difference is rating: Qualifier Plus IIIx/fx at 4.9 against RateWatch's 3.9. Qualifier Plus IIIx/fx also leads on review sentiment (89% vs 70%) and ratings volume (3.4K vs 137). RateWatch's advantage is in-app purchases (none vs 2) and update cadence (every 2 months vs every 10 months). 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. Qualifier Plus IIIx/fx sells 2 in-app purchases, starting at $5.99 per month. RateWatch asks for nothing beyond the download.
Qualifier Plus IIIx/fx holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: Qualifier Plus IIIx/fx has 3.4K ratings behind it against 137, so its average is the more settled of the two. Written reviews point the same way: 89% of Qualifier Plus IIIx/fx's written reviews are positive against 70% of RateWatch's.
Qualifier Plus IIIx/fx ships an update every 10 months, RateWatch every 2 months. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.
| Parameter | Qualifier Plus IIIx/fx | RateWatch |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (3.4K ratings) — better | 3.9 (137 ratings) |
| Positive reviews | 89.2% of reviews — better | 70.0% of reviews |
| Number of ratings | 3.4K — better | 137 |
| Update frequency | Every 10 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Subscription | Subscription |
| Best chart rank | #134 — better | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 15.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 23 MB |
| Age rating | 12+ | 4+ |
| Developer | Calculated Industries | Mortgage Coach |
Customer experience
Qualifier Plus IIIx/fx
RateWatch
User reviews
Qualifier Plus IIIx/fx
From 3.4K App Store ratingsWhat we love
- 🚀 Convenient and portable
- 👍 Powerful and feature-rich
- 💡 Helpful for real estate professionals
- 👍 Familiar interface for existing users
- 💡 Email integration for sharing calculations
Room to improve
- 💰 Subscription model is frustrating
- 🐛 Occasional bugs and glitches
- 💰 Perceived as greedy by developers
- 🔒 Requires in-app purchase to use
RateWatch
From 137 App Store ratingsWhat we love
- 👍 Easy to use for professionals
- 📈 Timely market information
- 🤝 Builds trust with clients
- 💡 Great for client education
- 🚀 Quick access to data
Room to improve
- ❌ Cannot create an account
- ❌ Login screen only, no access
- ❌ Deceptive pricing/subscription
- 🐛 Settings revert to default
- 📉 Trend lines nearly invisible
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
RateWatch
Reported bugs
8 issues- Cannot register for an account
- Username required but cannot create one
- No option to create an account
- Terms link has a 404 error
- App drops out or glitches
Show 3 moreShow fewer
- App lags behind industry coupon tracking
- App data feed drops
- Settings revert to defaults on close
Requested features
6 requests- Add functionality of desktop version
- Improve visibility of trend lines
- Make settings persistent
- Allow guest access
- Offer predictive market features
Show 1 moreShow fewer
- Integrate with MBS tracking systems
In-app purchases
Qualifier Plus IIIx/fx
- 1 Month Full Access7 Days trial$5.991 Month
- 1 Year Full Access7 Days trial$29.991 Year
RateWatch
No in-app purchases
Questions
Is Qualifier Plus IIIx/fx free?
Is RateWatch free?
Which has better reviews, Qualifier Plus IIIx/fx or RateWatch?
Do Qualifier Plus IIIx/fx or RateWatch have ads?
Which is updated more often, Qualifier Plus IIIx/fx or RateWatch?
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