Comparison

Mortgage Calc & Amortization vs Debt Magic

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

Head to head
About

Mortgage Calc & Amortization

Estimate monthly loan payments and generate detailed amortization schedules. Understand your loan's principal and interest breakdown, track your balance, and test extra payment scenarios to plan your payoff strategy.

Highlights
  • Estimate monthly mortgage payments
  • Generate full amortization schedule
  • View principal and interest breakdown
  • Track remaining loan balance
  • Test extra payment scenarios
  • Compare refinance options
  • Visualize payment on charts
Features
Read full description

*** Powerful Mortgage Calculator for Smarter Loan Decisions *** Mortgage Calc & Amortization is a fast and accurate mortgage calculator designed to help you estimate monthly loan payments and generate a complete amortization schedule. Whether you're buying a home, refinancing, or planning extra principal payments, this loan payment tool shows exactly how your money is applied to principal and interest over time. Understand your true loan cost. Plan your mortgage payoff strategy with confidence. *** Calculate Mortgage Payments Instantly *** Use this mortgage calculator to: • Estimate monthly mortgage payment amounts • Generate a full amortization schedule • View principal and interest breakdown • Track remaining loan balance over time • Test extra payment scenarios • Compare refinance options Mortgage loans are front-loaded, meaning early payments go mostly toward interest. Adding extra principal payments can reduce total interest significantly and shorten your payoff timeline. This amortization calculator helps you see the long-term impact before making financial decisions. *** Designed for *** • Home buyers • Homeowners planning refinance • Borrowers comparing loan terms • Anyone analyzing an amortization schedule • Users looking to pay off mortgage faster *** Best Features *** 1. Calculate the payment of a mortgage or loan and its amortization table quickly and easily 2. Visualize payment, interest, and balance on interactive charts 3. Amortization table can display both annually and monthly payment *** Make Better Mortgage Decisions *** See total interest costs clearly. Explore extra payment savings. Plan your loan payoff strategy. Understand your mortgage before committing. Disclaimer: Information and interactive calculators are provided as self-help tools for independent use and are not intended to provide financial, investment, legal, or tax advice. Results are estimates and may vary based on individual circumstances. Please consult a qualified financial professional for personalized guidance.

About

Debt Magic

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

Highlights
  • Debt payoff calculator
  • Compare Snowball vs. Avalanche methods
  • Visualize extra payment impact
  • Track principal vs. interest
  • Consolidate all debt types
Features
Read full description

Debt Magic is a completely FREE debt-payoff calculator that makes your plan crystal clear. Add your credit cards, student loans, auto loans, personal loans or mortgage and instantly see payoff dates, total interest, and how much faster you can be debt-free. What you can do: - Compare methods: Snowball (smallest balance first) vs. Avalanche (highest APR first). - See the impact of extra payments: add $10–$100+ and watch the payoff date move. - Amortization made simple: track principal vs. interest over time with clean charts and tables. - All debts, one place: credit cards, student loans, auto, mortgage, personal loans. - Visualize your plan for your debt payoff: use the loan calculator and debt payoff calculator to map your path. - Earn rewards and cash with our bonus rewards dashboard. Debt Magic is free to use so you can focus on what matters, paying off debt faster.

Screenshots

Mortgage Calc & Amortization4 screens
Debt Magic4 screens

Verdict

The call

The clearest difference is in-app purchases: Debt Magic at none against Mortgage Calc & Amortization's 1. Debt Magic also leads on ads (none vs shown) and update cadence (weekly vs every 19 months). Mortgage Calc & Amortization's advantage is rating (5.0 vs 4.8). 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. Mortgage Calc & Amortization sells 1 one-off in-app purchase. Debt Magic asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Mortgage Calc & Amortization holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Magic has 18 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Mortgage Calc & Amortization ships an update every 19 months, Debt Magic weekly. The most recent releases landed on June 4, 2026 and September 22, 2026 respectively.

Scorecard6 real differences · 4 level
Mortgage Calc & Amortization versus Debt Magic: the parameters behind the verdict, then further details
ParameterMortgage Calc & AmortizationDebt Magic
PriceFreeFree
Rating5.0 (3 ratings) — better4.8 (18 ratings)
Positive reviews100.0% of reviews
Number of ratings318 — better
Update frequencyEvery 19 monthsWeekly — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.0 — better
Further details — not scored
Size26 MB33 MB
Age rating4+4+
DeveloperDo TriChanged Inc.

Customer experience

Mortgage Calc & Amortization

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Debt Magic

All ratings18 ratings
Positive88.9%
Neutral11.1%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Mortgage Calc & Amortization

One-time1
  • Remove Ads$6.99
None

Debt Magic

No in-app purchases

Questions

Is Mortgage Calc & Amortization free?
Mortgage Calc & Amortization is free to download, with in-app purchases available.
Is Debt Magic free?
Debt Magic is free to download, with no in-app purchases.
Which has better reviews, Mortgage Calc & Amortization or Debt Magic?
Mortgage Calc & Amortization is rated higher. Mortgage Calc & Amortization averages 5.0 out of 5 from 3 ratings, while Debt Magic averages 4.8 from 18 ratings.
Do Mortgage Calc & Amortization or Debt Magic have ads?
Mortgage Calc & Amortization shows ads; Debt Magic does not.
Which is updated more often, Mortgage Calc & Amortization or Debt Magic?
Mortgage Calc & Amortization ships an update every 19 months, and Debt Magic weekly. Most recently, Mortgage Calc & Amortization was updated on June 4, 2026 and Debt Magic on September 22, 2026.

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