Comparison

Adding Machine 10Key Univ Lite vs Accounts 3 Checkbook

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

Head to head
About

Adding Machine 10Key Univ Lite

This app emulates a traditional 10-key adding machine for precise calculations. It offers features like reversed operator entry, percentage calculation, and the ability to edit and save paper tape files. The iPad version includes a full-size keypad with audio feedback for enhanced accuracy.

Highlights
  • 10-key adding machine emulation
  • Reversed operator entry
  • Percentage calculation
  • Paper tape editing and saving
  • Export paper tape files
  • TypeTone audio feedback (iPad)
Read full description

'Adding Machine 10Key Univ Lite' behaves like a true '10 Key' or 'adding machine' like those made by Monroe, Casio, Sharp and others. Press asterisk (*) for a total, operator entry is reversed, and calculate percentages by multiplying and adding to a stream of numbers. SEE THE 1ST FAQ BELOW. This universal version works with both iPhone and iPad. The iPad version features a full sized (1:1) keypad with TypeTone, a unique audio aid to help guide your finger back to the center of a key. The total (*) key (iPad or iPhone) can be on either the left or right side (Sharp or Canon style). Also. Review & edit numbers, add or delete lines. Save & retrieve paper tape files. Export paper tape files to iBooks©, Dropbox©, or your favorite printing utility (see the FAQs). 'Lite' Version Description ================== This is the full version of Adding Machine 10Key Univ, but with a reduced number of paper tape lines & other limitations. You can find the full version by searching for 'Adding Machine 10Key Universal' by Richard Silverman in the App Store. ==== Recent Press ===== Has been featured in iTunes "What's Hot" in the Finance Category. Strategic Finance (Tools of the Trade): "If you're looking for a professional desk calculator that can give you full 10-key accounting functions with a tape you can name and save, edit, e-mail, or print, check out Interlocken's 10 Key for iPad." ================= Specifications: ================= . Behaves the same as a '10 Key' adding machine. . Export a PDF file to iBooks©, DropBox©, Email, or your favorite printing utility. . TypeTone - a major innovation to aid accurate key entry using audio feedback (iPad version). . Full size (1:1) keyboard (iPad version). . Select from a menu of keypad sounds. . 400 lines of paper tape history (full version). . 3 display formats: fixed, fix+, float . Save paper tapes to disk for later use. . Correct numbers, add comments, add/delete lines . Two keypads offer the 'total' key on the left or right (Sharp or Canon style) . Comprehensive set of help screens. . 3 Orientations: Landscape Left/Right + Portrait (iPad version) ================ FAQ's Q1. What is the difference between 'Adding Machine 10Key Univ', and 'Accountant Calc' in the App. Store.? A1. Both calculators are single-column adding machines or calculators with full-size (1:1) keypads and are optimized for the iPad User Interface. '10 Key' behaves the same as a 10 Key Adding Machine with reversed operator entry while ‘Accountant Calc’ supports free chaining of +, -, x, /, %, √, 1/x. It is easier to use if you are not familiar with how a '10-key' works. Q2. Can I touch-type? A2. The iPad version comes as close to touch-typing as a touch-screen can be. With ‘TypeTone’, a key will guide your finger back to the center of a key with an audio tone. Q3. How can I edit an incorrect number or add & delete lines from the paper tape? A3. Touch any line of the paper tape for edit mode. Touch the side controls: Add Line, Delete Line. You can also edit numbers, split Add/Sub or Mul/Div groups. Press Done to return to Calculator mode. Q4. Tell me about Email, Printing, and Exporting a Paper Tape. A4. Email includes a pdf attachment. Print requires an AirPrint capable printer. Open-In will cause a menu of 3rd party Apps to appear. Once exported, print directly to a network reachable printer (even if it is NOT AirPrint capable). ============================ INCLUDED IN THIS LITE VERSION: . 16 lines of paper tape history . Limited to 2 keypad sounds . Only save 2 paper histories to disk . Ads for Interlocken products at bottom of display UPGRADE TO THE FULL VERSION IN THE APP STORE TERMS AND CONDITIONS Your use of this application is governed by Interlocken Technology's Terms of Use (http://s354819480.onlinehome.us/InterlockenPrivacyPolicy/Interlocken%20Technology%20Privacy%20Policy.pdf) and Privacy Policy (http://s354819480.onlinehome.us/InterlockenPrivacyPolicy/InterlockenTechnologyTermsOfUse.pdf)

About

Accounts 3 Checkbook

Manage your personal finances and replace your paper checkbook with this intuitive application. Track daily transactions, schedule recurring payments, and capture photo receipts. Generate insightful reports and export your data in various formats for easy analysis.

Highlights
  • Schedule recurring transactions
  • Capture photo receipts
  • Generate graphs and reports
  • Sync data via iCloud
  • Export data in CSV, QIF, HTML
  • Touch and Face ID support
  • AirPrint support
Features
Currently charting
Read full description

Top Selling Checkbook App Accounts 3 is an easy to use application to replace your paper checkbook. With the Accounts 3 application, you will have a quicker and more convenient way to track your daily finances. You can schedule transactions, transfer funds, capture photo receipts, reconcile, view reports, export data, print, and much more. All features of the Accounts 3 app are designed to be quick, clean, intuitive, and easy to use. FEATURES * Touch and Face ID Support Use Touch or Face ID to authenticate and launch the app quicker and more conveniently. * Sync Data via iCloud Sync your data across iPhone, iPad, and iPod Touch devices * Universal Binary Designed for iPhone, iPad, and iPod Touch devices. No need to buy separate apps for each device. * Graphs and Reports Review your monthly income vs. expense, spending by category, or income by category summaries with beautiful graphs and reports. * Photo Receipts Capture and store photo receipt as part of a transaction. * AirPrint Support Print reports directly from your iPhone or iPad to any AirPrint-enabled printer. * Recurring Transactions Schedule transactions to repeat weekly, biweekly, monthly, semimonthly, quarterly, biannually, or yearly on a start date that you choose. * Split Transactions Split a transaction among several categories for more precise tracking. * Search Quickly search for transactions and edit them from the same screen or export your search results. * Reconcile Transactions Reconcile by checking off cleared transactions and comparing the actual and outstanding balances against a bank statement. * Smart Autocomplete As you type, a list will show you your previously entered descriptions and corresponding category. Selecting an entry from the list will fill both fields of the transaction. * Auto-increment Check # Field Accounts 3 will suggest the next check number for you based on the previously entered number. If you replace your checkbook, just enter the new starting number and Accounts 3 will auto-increment from there. * Transfers Make a one-time transfer between accounts or set up recurring transfers to automatically repeat. * Export in CSV, QIF & HTML Formats Export transactions via email attachments for used with desktop applications such Numbers, Excel, or MS Money. * Customization Settings & Themes Configurable settings and themes to customize the Accounts 3 application based on your preferences. Themes are now also available in dark mode. * Transaction Sorting/Hiding Sort transactions by date in either ascending or descending order. You can also hide reconciled transactions to keep your current list from being cluttered. * Accounts Reordering Reorder your accounts from the account list in any order you choose. * Accounts Delete Lock Prevents accidental deletion of all the transactions under an account. * Backup / Restore Backup your data for safekeeping via iCloud, Dropbox, or email. Then restore it to your device whenever you need to. * Passcode Security Keep your accounts information private. * FREE Accounts 3 Lite version Please download the Accounts 3 Lite version to try before you buy.

Screenshots

Adding Machine 10Key Univ Lite4 screens
Accounts 3 Checkbook4 screens

Verdict

The call

The clearest difference is price: Adding Machine 10Key Univ Lite at Free against Accounts 3 Checkbook's $4.99. Adding Machine 10Key Univ Lite also leads on review sentiment (80% vs 63%) and iOS requirement (12.4 vs 26.0). Accounts 3 Checkbook's advantage is update cadence (every 2 weeks vs every 6 weeks) and ratings volume (3.2K vs 192). On rating, ads, in-app purchases 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

Adding Machine 10Key Univ Lite is free to download; Accounts 3 Checkbook costs $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Accounts 3 Checkbook holds the better App Store score, 4.5 against 4.3. That said, the two scores are not equally well evidenced: Accounts 3 Checkbook has 3.2K ratings behind it against 192, so its average is the more settled of the two. Written reviews complicate that: 80% of Adding Machine 10Key Univ Lite's written reviews are positive against 63% of Accounts 3 Checkbook's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Adding Machine 10Key Univ Lite ships an update every 6 weeks, Accounts 3 Checkbook every 2 weeks. The most recent releases landed on October 22, 2026 and October 28, 2026 respectively.

Scorecard7 real differences · 4 level
Adding Machine 10Key Univ Lite versus Accounts 3 Checkbook: the parameters behind the verdict, then further details
ParameterAdding Machine 10Key Univ LiteAccounts 3 Checkbook
PriceFree — better$4.99
Rating4.3 (192 ratings)4.5 (3.2K ratings) — better
Positive reviews79.6% of reviews — better63.4% of reviews
Number of ratings1923.2K — better
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
Best chart rank—#19 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS12.4 — better26.0
Further details — not scored
Size23 MB10 MB
Age rating4+4+
DeveloperRichard SilvermanSVT Software

Customer experience

Adding Machine 10Key Univ Lite

All ratings192 ratings
Positive86.5%
Neutral6.3%
Negative7.3%
Written reviews49 reviews
Positive79.6%
Neutral8.2%
Negative12.2%

Accounts 3 Checkbook

All ratings3,169 ratings
Positive88.0%
Neutral4.5%
Negative7.4%
Written reviews667 reviews
Positive63.4%
Neutral12.4%
Negative24.1%

User reviews

Adding Machine 10Key Univ Lite

From 192 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Works like a real adding machine
  • 👍 Tape feature is useful
  • 👍 Large, clear numbers
  • 👍 Good for bookkeeping

Room to improve

  • 💸 Paid version is expensive
  • 📉 Ads take up screen space on iPhone
  • 🤏 Keys are too small on lite version
  • 🗄️ Lite version has limited lines
  • 💡 Trailing zeros not displayed

Accounts 3 Checkbook

From 3.2K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Helpful features
  • 🔒 Secure data storage
  • 💡 Recurring transactions
  • 🚀 Smooth syncing between devices

Room to improve

  • 🐛 Sync issues
  • 🐛 Incorrect transaction recording
  • 🐛 Crashing and freezing
  • 💡 Limited customization options
  • 🔒 Lack of customer support

Bugs and requests

Adding Machine 10Key Univ Lite

Reported bugs

4 issues
  • 3 digits get frozen during calculations
  • Crashed and lost data
  • The "don't ask again" button for reviews does nothing
  • App freezes when switching apps

Requested features

8 requests
  • Ability to set automatic cents
  • Two sales tax rates or ability to deselect items from tax
  • More lines in the free version
  • More screen space on iPhone
  • Ability to add more before clearing
Show 3 more
  • Unlimited tape length
  • Dark mode option
  • One-button clear tape option

Accounts 3 Checkbook

Reported bugs

4 issues
  • Sync issues between devices
  • Incorrect transaction recording
  • Crashing and freezing
  • Inability to change time of recurring transactions

Requested features

5 requests
  • Ability to view future recurring transactions
  • Option to duplicate transactions
  • Customizable report generation
  • Improved syncing between multiple devices
  • Direct contact with developer for support

In-app purchases

None

Adding Machine 10Key Univ Lite

No in-app purchases

None

Accounts 3 Checkbook

No in-app purchases

Questions

Is Adding Machine 10Key Univ Lite free?
Adding Machine 10Key Univ Lite is free to download, with no in-app purchases.
Is Accounts 3 Checkbook free?
Accounts 3 Checkbook costs $4.99, with no in-app purchases.
Which has better reviews, Adding Machine 10Key Univ Lite or Accounts 3 Checkbook?
Accounts 3 Checkbook is rated higher. Adding Machine 10Key Univ Lite averages 4.3 out of 5 from 192 ratings, while Accounts 3 Checkbook averages 4.5 from 3.2K ratings.
Do Adding Machine 10Key Univ Lite or Accounts 3 Checkbook have ads?
Neither Adding Machine 10Key Univ Lite nor Accounts 3 Checkbook shows ads.
Which is updated more often, Adding Machine 10Key Univ Lite or Accounts 3 Checkbook?
Adding Machine 10Key Univ Lite ships an update every 6 weeks, and Accounts 3 Checkbook every 2 weeks. Most recently, Adding Machine 10Key Univ Lite was updated on October 22, 2026 and Accounts 3 Checkbook on October 28, 2026.

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