# Loan Payment & Amortization vs OptimalFinancial

The clearest difference is in-app purchases: OptimalFinancial at none against Loan Payment & Amortization's 1. OptimalFinancial also leads on ads (none vs shown) and update cadence (every 3 weeks vs every 5 months). On price and device support there is nothing between them.

Both are free to download. Loan Payment & Amortization sells 1 one-off in-app purchase. OptimalFinancial asks for nothing beyond the download.

Loan Payment & Amortization ships an update every 5 months, OptimalFinancial every 3 weeks. Both last shipped on October 5, 2026.

## The numbers

| Metric | Loan Payment & Amortization | OptimalFinancial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (33 ratings)](https://appshunter.io/ios/app/loan-payment-and-amortization/id6475633167/reviews)** | — |
| Number of ratings | **33** | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 26 MB | 40 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Do Tri](https://appshunter.io/developer/846531282) | [OptimalFinancial LLC](https://appshunter.io/developer/6780243872) |

## What reviewers say

### Loan Payment & Amortization

[App page](https://appshunter.io/ios/app/loan-payment-and-amortization/id6475633167)

Calculate loan payments, visualize amortization schedules, and estimate loan amounts. Explore the impact of extra payments to save on interest and pay off loans faster. Understand the true cost of borrowing for mortgages, car loans, and more.

**Highlights:** Quick loan payment calculation, Loan amount estimator, Extra payment calculator, Amortization schedule, Principal vs. interest visualization, Export and share results, Offline functionality

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $7.99 | one-time |


### OptimalFinancial

[App page](https://appshunter.io/ios/app/optimalfinancial/id6780243870)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Loan Payment & Amortization free?

Loan Payment & Amortization is free to download, with in-app purchases available.

### Is OptimalFinancial free?

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

### Do Loan Payment & Amortization or OptimalFinancial have ads?

Loan Payment & Amortization shows ads; OptimalFinancial does not.

### Which is updated more often, Loan Payment & Amortization or OptimalFinancial?

Loan Payment & Amortization ships an update every 5 months, and OptimalFinancial every 3 weeks. Most recently, Loan Payment & Amortization was updated on October 5, 2026 and OptimalFinancial on October 5, 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.*