# Mortgage Payment Calc vs Authenticator App ™

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.

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.

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.

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.

## 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) | **[4.4 (25K ratings)](https://appshunter.io/ios/app/authenticator-app/id6443508147/reviews)** |
| Number of ratings | 10 | **25K** |
| Positive reviews | **66.7% of reviews** | 29.7% of reviews |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 14 months | **Every 2 weeks** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 33 MB | 19 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [倩 赵](https://appshunter.io/developer/376557917) | [Codenhagen.IO ApS](https://appshunter.io/developer/1617641724) |

## 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/id6443508147)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Authenticator Premium | $9.99 | per month |
| Authenticator Premium | $39.99 | per year |

**What reviewers like**

- 👍 Easy to use
- 🚀 Works well
- 👍 Simple and straightforward
- 🚀 Functional tool

**What reviewers complain about**

- 🐛 Unable to remove accounts
- 🐛 Difficult to cancel subscription
- 🐛 Doesn't work as expected
- 🐛 Not user friendly
- 🐛 Unreliable

**Reported bugs**

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

**Requested features**

- Dark mode option
- Better customer support
- Easier subscription management


## 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*