Comparison

EMI Calculator Loan Tracker vs Expense Counter

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

Head to head
About

EMI Calculator Loan Tracker

Calculate and manage home, car, and personal loans with instant EMI calculations, amortization schedules, and side-by-side loan comparisons. Plan prepayments and receive smart payment reminders to stay on top of your finances.

Highlights
  • Instant EMI calculation
  • Full amortization schedule
  • Loan comparison tool
  • Prepayment planning
  • Smart EMI reminders
  • Ad-free premium option
Features
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The only loan calculator you'll ever need — for every loan, every stage of life. Whether you're taking out a mortgage, car loan, or personal loan, this app gives you the full picture before you sign — and keeps you in control for every month after. — INSTANT PAYMENT CALCULATION — Enter your loan amount, interest rate, and term. Get your monthly payment, total interest payable, and exact payoff date in seconds. Adjust the sliders and watch the numbers update in real time. — FULL AMORTIZATION SCHEDULE — See exactly where every payment goes — how much reduces your principal and how much goes to interest, month by month, for the life of the loan. No surprises. — PREPAYMENT PLANNING — What happens if you pay a little extra each month? Or make a lump-sum payment next year? See precisely how many months you save and how much interest you avoid — before you make a single extra payment. Add monthly, yearly, or one-off prepayments and watch your savings update instantly. — VARIABLE RATE TRACKING — On a variable, tracker, or adjustable-rate loan? When your lender changes your rate, log the revision and see your updated schedule, new monthly payment, and revised payoff date immediately. No more guessing what a rate change means for your loan. — REFINANCE CALCULATOR — Thinking of switching to a better rate? Enter your current loan, your new offer, and any switching costs. The app tells you your monthly saving, total interest saved, and exactly how many months until you break even. Know the answer before you make the call. — LOAN COMPARISON — Got multiple offers? Compare up to 3 loans side by side — monthly payment, total interest, and total repayment for each. Spot the best deal instantly. — STEP-UP PAYMENTS — Expecting your income to grow? Set higher payment amounts at future points in your loan term and see how that accelerates your payoff. — SMART REMINDERS — Never miss a payment. Set reminders for your due date and get a notification before each instalment is due. WORKS FOR: Home loans · Mortgages · Car loans · Personal loans · Business loans · Any fixed or variable rate loan PREMIUM FEATURES (one-time purchase available): Unlimited EMI reminders Multiple prepayments Multiple rate change entries Step-up payment planning Ad-free experience One-time lifetime purchase option Download free. Upgrade when you're ready.

About

Expense Counter

Easily track and organize your spending to stay within your monthly budget. Gain insights into your spending habits by categorizing expenses and viewing monthly summaries. Achieve your financial goals with this intuitive expense management tool.

Highlights
  • Track expenses easily
  • Categorize spending
  • View monthly expense summaries
  • Organize expenses by category
  • Add expenses to specific months
Features
Read full description

Overspend your monthly budget every time? ExpenseCounter is an app that helps you achieve your financial goals. - Track your expenses with ease. - Know exactly which category you spend the most. - A summary of your expenses is available at any time. Features: - View all your expenses for each month - Add an expense to a month - Customize your expenses by adding categories to help you organize them Stay connected: - https://danielletan.com

Screenshots

EMI Calculator Loan Tracker4 screens
Expense Counter4 screens

Verdict

The call

The clearest difference is in-app purchases: Expense Counter at none against EMI Calculator Loan Tracker's 3. Expense Counter also leads on ads (none vs shown) and rating (5.0 vs 4.5). EMI Calculator Loan Tracker's advantage is ratings volume (24 vs 1). On price, device support and iOS requirement 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. EMI Calculator Loan Tracker sells 3 in-app purchases, starting at $0.99 per month. Expense Counter asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expense Counter holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: EMI Calculator Loan Tracker has 24 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

EMI Calculator Loan Tracker ships an update every 4 weeks, Expense Counter every 4 days. The most recent releases landed on October 23, 2026 and October 28, 2026 respectively.

Scorecard6 real differences · 4 level
EMI Calculator Loan Tracker versus Expense Counter: the parameters behind the verdict, then further details
ParameterEMI Calculator Loan TrackerExpense Counter
PriceFreeFree
Rating4.5 (24 ratings)5.0 (1 ratings) — better
Positive reviews28.6% of reviews—
Number of ratings24 — better1
Update frequencyEvery 4 weeksEvery 4 days — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.1 — better16.4
Further details — not scored
Size15 MB3 MB
Age rating4+4+
DeveloperSwetha MBPhu Le

In-app purchases

3 purchases

EMI Calculator Loan Tracker

Subscriptions2
  • Unlock all loan emi functionality$0.991 Month
  • Unlock all loan emi functionality$3.991 Year
One-time1
  • Unlock All Features. App will be AdFree.$5.99
None

Expense Counter

No in-app purchases

Questions

Is EMI Calculator Loan Tracker free?
EMI Calculator Loan Tracker is free to download, with in-app purchases available.
Is Expense Counter free?
Expense Counter is free to download, with no in-app purchases.
Which has better reviews, EMI Calculator Loan Tracker or Expense Counter?
Expense Counter is rated higher. EMI Calculator Loan Tracker averages 4.5 out of 5 from 24 ratings, while Expense Counter averages 5.0 from 1 ratings.
Do EMI Calculator Loan Tracker or Expense Counter have ads?
EMI Calculator Loan Tracker shows ads; Expense Counter does not.
Which is updated more often, EMI Calculator Loan Tracker or Expense Counter?
EMI Calculator Loan Tracker ships an update every 4 weeks, and Expense Counter every 4 days. Most recently, EMI Calculator Loan Tracker was updated on October 23, 2026 and Expense Counter on October 28, 2026.

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