# Simple TVM vs APY Calculator

The clearest difference is review sentiment: Simple TVM at 75% against APY Calculator's 25%. Simple TVM also leads on in-app purchases (none vs 1) and update cadence (every 6 weeks vs every 13 months). APY Calculator's advantage is rating (4.7 vs 3.4) and ratings volume (134 vs 10). On price, ads and device support there is nothing between them.

Both are free to download. APY Calculator sells 1 one-off in-app purchase. Simple TVM asks for nothing beyond the download.

APY Calculator holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: APY Calculator has 134 ratings behind it against 10, so its average is the more settled of the two. Written reviews complicate that: 75% of Simple TVM's written reviews are positive against 25% of APY Calculator's, so the app with the better star average is not the one people write more warmly about.

Simple TVM ships an update every 6 weeks, APY Calculator every 13 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Simple TVM | APY Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (10 ratings)](https://appshunter.io/ios/app/simple-tvm/id422382715/reviews) | **[4.7 (134 ratings)](https://appshunter.io/ios/app/apy-calculator-interest-calc/id1572410837/reviews)** |
| Number of ratings | 10 | **134** |
| Positive reviews | **75.0% of reviews** | 25.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 13 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 10 MB | 6 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Med One Marketing](https://appshunter.io/developer/422382718) | [Phan Nhat Đang](https://appshunter.io/developer/1437390098) |

## What reviewers say

### Simple TVM

[App page](https://appshunter.io/ios/app/simple-tvm/id422382715)

Calculate loan payments, interest rates, present value, and future value with this straightforward financial tool. Designed for ease of use on Apple devices, it displays values clearly above the keypad for quick reference. This calculator is intended for educational purposes.

**Highlights:** Loan payment calculation, Interest rate calculation, Present value calculation, Future value calculation, Easy-to-read display, Designed for iOS

**Features:** macOS Compatibility

**In-app purchases:** none


### APY Calculator

[App page](https://appshunter.io/ios/app/apy-calculator-interest-calc/id1572410837)

Calculate Annual Percentage Yield (APY) and simulate investment returns based on it. This intuitive and easy-to-use application simplifies financial calculations for users.

**Highlights:** Calculate APY, Simulate investment returns, Intuitive interface, Simple to use, Email support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove ads | $2.99 | one-time |


## Frequently asked questions

### Is Simple TVM free?

Simple TVM is free to download, with no in-app purchases.

### Is APY Calculator free?

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

### Which has better reviews, Simple TVM or APY Calculator?

APY Calculator is rated higher. Simple TVM averages 3.4 out of 5 from 10 ratings, while APY Calculator averages 4.7 from 134 ratings.

### Do Simple TVM or APY Calculator have ads?

Neither Simple TVM nor APY Calculator shows ads.

### Which is updated more often, Simple TVM or APY Calculator?

Simple TVM ships an update every 6 weeks, and APY Calculator every 13 months. Most recently, Simple TVM was updated on November 1, 2026 and APY Calculator on November 3, 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.*