Comparison

Mortgage Payment Calc vs Authenticator App ™

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mortgage Payment Calc

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
Read full description

If you are the person who: * Prepare or wish to buy a house; * Have mortgage loans; * Is a housing agency; * want to calculate or manage loans etc. You will need this smart and comprehensive app to calculate the payment each cycle, payoff date, total payment, total interest, affordability, the payment schedule and prepayment etc, and also to manage your loans, track loans’ process and share amortization schedule. There are three calculators: ⁃ Mortgage calculator; ⁃ Loan calculator; ⁃ Affordability calculator. You can save the results for further comparison or consideration. Input value could be house value, frequency, term, interest rate, start date, annual property tax, annual home insurance and PMI. The Frequency could be Weekly, Bi-Weekly, Monthly, Quarterly and Yearly. How you can manage your loans? ⁃ Check your loans in one place. ⁃ Check the process of your total loans and each loan. ⁃ Set notification for each loan. ⁃ Check the payment, principal, interest and balance of each cycle. ⁃ Mark the schedule as paid after it been paid. ⁃ Add extra payment and get the analysis about the new payoff date, new total payment and how much you can save. Other features: ⁃ Set your own currency. ⁃ iCloud and Dropbox backup and restore. ⁃ Passcode protection. ⁃ Supports universal version. If you have any question or suggestion, please send email to userfeed@vip.tom.com.

About

Authenticator App ™

This app provides a secure way to manage two-factor authentication (2FA) for your online accounts. It generates time-based one-time passwords (TOTP) that update every 30 seconds, offering an extra layer of security without needing an internet connection. Features include iCloud backup, cross-device synchronization, and biometric unlock.

Highlights
  • Time-based one-time password (TOTP) generation
  • Secure iCloud backup and encryption
  • Synchronization across all devices
  • Unlock with FaceID or password
  • 100% Ad-Free experience
  • Compatible with over 2,500 websites and services
Features
Read full description

Authenticator App is a secure application for two-factor authentication (2FA) that stores and generates time-based codes (OTP) to protect your online accounts by adding an additional layer of security when signing in. Our universal authenticator app is compatible with more than 2.500 websites and services. Create your secure MFA token in seconds, just scan the QR code for a quick & easy setup. Enter your unique one-time password (OTP software token) generated by our app on the website and voila!  It is that easy to 2FA verify your online identity.  The 6-digit code will update to a new one every 30 seconds. This timer is so you never have to use the same time-based one-time password (TOTP) more than once and you don’t have to remember the number since it will change all the time. Once our code generator app is configured, you can get verification codes without the need for a network or cellular connection. Additional Universal authenticator app features include: * Easy and user friendly  No account setup is required, just scan the 2FA QR-Code and the Authenticator app is automatically ready to use. * iCloud Backup & encryption Your data is always encrypted when stored including when it is saved in your iCloud to make sure that you are the only person who can read your data. Our Authenticatir always create a secure and encrypted backup swell in case you should lose your device, so you can easily restore your data on another decide in your iCloud account. * Synchronization Across All Devices When using our authenticater app you can always switch between your devices and access your codes in real time on all devices connected to your iCloud. * Unlock with Password or FaceID To add an extra layer of security you can setup FaceID or a password in the app so you are the only one who can read your codes and for a faster access. * 100% Ad-Free Enjoy a completely Ad Free mobile two factor authentication experience for IOS and compatible with all Apple devices. We are also proud to say that our Universal Authenticator app push the boundaries by being compatible with all websites and all type of authentication practices including Multi-factor authentication (MFA), RSA SecurID, Time based one-time password (TOTP), 2 step verification, 2 factor authenticate (2FA Security Token), ID Verify and Online ID Account Protection & Security. ————————————————— Do you need help? Or have any questions? Please contact our dedicated support staff before leaving a negative review - we will always get back to you within 48 hours! SUPPORT: For any questions or requests, please contact our customer support here: https://intercom.help/codenhagenio-aps/en/collections/8884636-app-support ————————————————— Subscription terms: Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current subscription period. Your account will be charged for renewal within 24 hours prior to the end of the current period, and the cost of the renewal will be identified. You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase. Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription, where applicable. Privacy Policy: https://www.codenhagen.io/app/Universal-Authenticator/Privacy/ Terms of Use: https://www.codenhagen.io/app/Universal-Authenticator/Terms/

Screenshots

Mortgage Payment Calc4 screens
Authenticator App ™4 screens

Verdict

The call

Mortgage Payment Calc and Authenticator App ™ both sit at 4.3 stars, but that hides the real split: 67% of Mortgage Payment Calc's written reviews are positive against 30% of Authenticator App ™'s. Mortgage Payment Calc also leads on in-app purchases (none vs 2). Authenticator App ™'s advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 14 months). On price, rating 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. Authenticator App ™ sells 2 in-app purchases, starting at $9.99 per month. Mortgage Payment Calc asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.3 for Mortgage Payment Calc against 4.4 for Authenticator App ™. That said, the two scores are not equally well evidenced: Authenticator App ™ has 25K ratings behind it against 10, so its average is the more settled of the two. Written reviews are what separate them: 67% of Mortgage Payment Calc's written reviews are positive against 30% of Authenticator App ™'s.

UpkeepUpdate frequency

Mortgage Payment Calc ships an update every 14 months, Authenticator App ™ every 2 weeks. The most recent releases landed on October 7, 2026 and October 17, 2026 respectively.

Scorecard7 real differences · 3 level
Mortgage Payment Calc versus Authenticator App ™: the parameters behind the verdict, then further details
ParameterMortgage Payment CalcAuthenticator App ™
PriceFreeFree
Rating4.3 (10 ratings)4.4 (25K ratings) — better
Positive reviews66.7% of reviews — better29.7% of reviews
Number of ratings1025K — better
Update frequencyEvery 14 monthsEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS16.013.0 — better
Further details — not scored
Size33 MB19 MB
Age rating4+4+
Developer倩 赵Codenhagen.IO ApS

Customer experience

Mortgage Payment Calc

All ratings10 ratings
Positive80.0%
Neutral20.0%
Negative0.0%
Written reviews3 reviews
Positive66.7%
Neutral33.3%
Negative0.0%

Authenticator App ™

All ratings24,597 ratings
Positive83.4%
Neutral4.2%
Negative12.4%
Written reviews138 reviews
Positive29.7%
Neutral2.9%
Negative67.4%

Bugs and requests

Mortgage Payment Calc

Not enough reviews yet to summarise bugs or requests.

Authenticator App ™

Reported bugs

4 issues
  • Login screen freezes
  • QR code scanning issues
  • Accounts not syncing properly
  • Subscription not cancelling

Requested features

3 requests
  • Dark mode option
  • Better customer support
  • Easier subscription management

In-app purchases

None

Mortgage Payment Calc

No in-app purchases

2 purchases

Authenticator App ™

Subscriptions2
  • Authenticator Premium3 Days trial$9.991 Month
  • Authenticator Premium3 Days trial$39.991 Year

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 in-app purchases available.
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 4.4 from 25K 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 2 weeks. Most recently, Mortgage Payment Calc was updated on October 7, 2026 and Authenticator App ™ on October 17, 2026.

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