# Mortgage Payment Calc vs Authenticator App

The clearest difference is ads: Authenticator App at none against Mortgage Payment Calc's shown. Authenticator App also leads on update cadence (every 9 days vs every 14 months) and rating (4.7 vs 4.3). Mortgage Payment Calc's advantage is review sentiment (67% vs 45%). On price, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Authenticator App holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Authenticator App has 34K ratings behind it against 10, so its average is the more settled of the two. Written reviews complicate that: 67% of Mortgage Payment Calc's written reviews are positive against 45% of Authenticator App's, so the app with the better star average is not the one people write more warmly about.

Mortgage Payment Calc ships an update every 14 months, Authenticator App every 9 days. The most recent releases landed on October 7, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Mortgage Payment Calc | Authenticator App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (10 ratings)](https://appshunter.io/ios/app/mortgage-payment-calc/id454147142/reviews) | **[4.7 (34K ratings)](https://appshunter.io/ios/app/authenticator-app-oneauth/id1142928979/reviews)** |
| Number of ratings | 10 | **34K** |
| Positive reviews | **66.7% of reviews** | 44.9% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 14 months | **Every 9 days** |
| Monetization | Ad-supported | **Free** |
| Size | 33 MB | 220 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | **iPhone, iPad, iPod, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [倩 赵](https://appshunter.io/developer/376557917) | [Zoho Corporation](https://appshunter.io/developer/388384807) |

## What reviewers say

### Mortgage Payment Calc

[App page](https://appshunter.io/ios/app/mortgage-payment-calc/id454147142)

Calculate mortgage payments, loan amortization, and affordability with detailed schedules. Manage multiple loans, track progress, and set payment reminders. Save results and back up data securely.

**Highlights:** Mortgage, loan, and affordability calculators, Detailed payment schedules, Loan management and progress tracking, Prepayment analysis, Customizable currency, Cloud backup and restore, Passcode protection

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none


### Authenticator App

[App page](https://appshunter.io/ios/app/authenticator-app-oneauth/id1142928979)

Secure your online accounts with industry-standard two-factor authentication. Easily add accounts, generate time-based OTPs, and benefit from encrypted backups. Organize and manage your TFA with features like folders, brand logos, and search.

**Highlights:** Add accounts via QR code or manual entry, Time-based OTPs (offline access), Encrypted backup and secure recovery, Sync secrets across devices, Organize accounts with folders, Brand logos for easy identification, Passwordless sign-in options

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and efficient
- 🔒 Very secure
- 👍 Easy to use
- 💡 Has Apple Watch app

**What reviewers complain about**

- 🐛 Unreliable notifications
- 🐛 Confusing user interface
- 🐛 Inconsistent behavior
- 🐛 Difficult to navigate
- 🐛 Locked out of accounts

**Reported bugs**

- Push notifications not working
- Endless authentication loops
- Incompatibility with new devices
- Locking users out of accounts

**Requested features**

- Support for multiple accounts
- Ability to export data to other authenticator apps
- Improved error handling and feedback
- Simpler setup and onboarding process


## Frequently asked questions

### Is Mortgage Payment Calc free?

Mortgage Payment Calc is free to download, with no in-app purchases.

### Is Authenticator App free?

Authenticator App is free to download, with no in-app purchases.

### Which has better reviews, Mortgage Payment Calc or Authenticator App?

Authenticator App is rated higher. Mortgage Payment Calc averages 4.3 out of 5 from 10 ratings, while Authenticator App averages 4.7 from 34K ratings.

### Do Mortgage Payment Calc or Authenticator App have ads?

Mortgage Payment Calc shows ads; Authenticator App does not.

### Which is updated more often, Mortgage Payment Calc or Authenticator App?

Mortgage Payment Calc ships an update every 14 months, and Authenticator App every 9 days. Most recently, Mortgage Payment Calc was updated on October 7, 2026 and Authenticator App on October 20, 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.*