Comparison

Qualifier Plus IIIx/fx vs RateWatch

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

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.

Highlights
  • 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
Features
Read full description

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

Qualifier Plus IIIx/fx4 screens
RateWatch4 screens

Verdict

The call

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

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. RateWatch asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard7 real differences · 4 level
Qualifier Plus IIIx/fx versus RateWatch: the parameters behind the verdict, then further details
ParameterQualifier Plus IIIx/fxRateWatch
PriceFreeFree
Rating4.9 (3.4K ratings) — better3.9 (137 ratings)
Positive reviews89.2% of reviews — better70.0% of reviews
Number of ratings3.4K — better137
Update frequencyEvery 10 monthsEvery 2 months — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationSubscriptionSubscription
Best chart rank#134 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS15.09.0 — better
Further details — not scored
Size28 MB23 MB
Age rating12+4+
DeveloperCalculated IndustriesMortgage Coach

Customer experience

Qualifier Plus IIIx/fx

All ratings3,376 ratings
Positive98.5%
Neutral0.6%
Negative0.9%
Written reviews74 reviews
Positive89.2%
Neutral1.4%
Negative9.5%

RateWatch

All ratings137 ratings
Positive74.5%
Neutral4.4%
Negative21.2%
Written reviews40 reviews
Positive70.0%
Neutral5.0%
Negative25.0%

User reviews

Qualifier Plus IIIx/fx

From 3.4K App Store ratings

What 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 ratings

What 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 more
  • 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 more
  • Integrate with MBS tracking systems

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

RateWatch

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 RateWatch free?
RateWatch is free to download, with no in-app purchases.
Which has better reviews, Qualifier Plus IIIx/fx or RateWatch?
Qualifier Plus IIIx/fx is rated higher. Qualifier Plus IIIx/fx averages 4.9 out of 5 from 3.4K ratings, while RateWatch averages 3.9 from 137 ratings.
Do Qualifier Plus IIIx/fx or RateWatch have ads?
Neither Qualifier Plus IIIx/fx nor RateWatch shows ads.
Which is updated more often, Qualifier Plus IIIx/fx or RateWatch?
Qualifier Plus IIIx/fx ships an update every 10 months, and RateWatch every 2 months. Most recently, Qualifier Plus IIIx/fx was updated on September 24, 2026 and RateWatch on September 22, 2026.

Other comparisons