# Loan Calculator + vs Repay

The clearest difference is price: Repay at Free against Loan Calculator +'s $1.99. Repay also leads on review sentiment (100% vs 91%). Loan Calculator +'s advantage is rating (4.7 vs 1.0) and in-app purchases (none vs 1). On update cadence, ads, device support and iOS requirement there is nothing between them.

Repay is free to download; Loan Calculator + costs $1.99 up front. Repay sells 1 in-app purchase, starting at $2.99 per year. Loan Calculator + asks for nothing beyond the download.

Loan Calculator + holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: Loan Calculator + has 152 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 91% of Loan Calculator +'s written reviews are positive against 100% of Repay's, so the app with the better star average is not the one people write more warmly about.

Loan Calculator + ships an update every 5 weeks, Repay every 6 weeks. Both last shipped on September 23, 2026.

## The numbers

| Metric | Loan Calculator + | Repay |
| --- | --- | --- |
| Price | $1.99 | **Free** |
| Rating | **[4.7 (152 ratings)](https://appshunter.io/ios/app/loan-calculator-plus/id443673909/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) |
| Number of ratings | **152** | 1 |
| Positive reviews | 90.9% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#143** | — |
| Size | 32 MB | 17 MB |
| Requires iOS | **12.1** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) |

## What reviewers say

### Loan Calculator +

[App page](https://appshunter.io/ios/app/loan-calculator-plus/id443673909)

**Currently charting:** #143 Top Paid · Finance (US App Store)

This app helps you save money on loans by visualizing costs and simulating 'what-if' scenarios. Easily compare loan deals, track extra payments, and understand the true cost of borrowing.

**Highlights:** Visualize loan costs with interactive charts, Organize multiple loans, Simulate extra payment scenarios, Calculate true loan cost with taxes and insurance, Compare different loan deals, Email loan details as PDF or HTML

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and easy-to-use interface
- 📊 Clear, effective charts and visualizations
- 💰 Affordable one-time purchase with no ads
- 🎯 Excellent for loan scenario modeling and what-if analysis
- ⚡ Fast and responsive performance

**What reviewers complain about**

- 🐛 Calendar/payment date calculation errors for biweekly payments
- 🐛 Incorrect percentage calculations on pie charts
- ❌ Confusing terminology (unclear 'rate' field vs interest rate)
- ❌ Monthly payment not visible on input screen
- ❌ Extra costs sometimes incorrectly applied to first payment

**Reported bugs**

- Biweekly payment calendar generates incorrect payment dates
- Extra cost additions incorrectly applied to first payment
- Pie chart percentages calculated incorrectly
- Interest saved value incorrect when extra payments applied
- Confusing 'rate' field terminology separate from interest rate

**Requested features**

- Display calculated payment on input screen without screen rotation
- Ability to copy/duplicate loans instead of creating from scratch
- Print functionality directly from app
- Amortization schedule comparison feature for multiple loans
- Ability to add extra payments using dates instead of year/week format


### Repay

[App page](https://appshunter.io/ios/app/repay/id868063485)

This app helps manage shared expenses among friends for group trips, shared living, or parties. It provides a clear overview of who paid for what, calculates individual shares, and tracks who owes money to whom, simplifying financial arrangements.

**Highlights:** Track shared expenses, Calculate individual shares, Manage group finances, Create unlimited events (premium), Log transactions easily, View clear financial overview

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| One year premium subscription | $2.99 | per year |


## Frequently asked questions

### Is Loan Calculator + free?

Loan Calculator + costs $1.99, with no in-app purchases.

### Is Repay free?

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

### Which has better reviews, Loan Calculator + or Repay?

Loan Calculator + is rated higher. Loan Calculator + averages 4.7 out of 5 from 152 ratings, while Repay averages 1.0 from 1 ratings.

### Do Loan Calculator + or Repay have ads?

Neither Loan Calculator + nor Repay shows ads.

### Which is updated more often, Loan Calculator + or Repay?

Loan Calculator + ships an update every 5 weeks, and Repay every 6 weeks. Most recently, Loan Calculator + was updated on September 23, 2026 and Repay on September 23, 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.*