# Mortgage Calc & Amortization vs Debt Magic

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.

Both are free to download. Mortgage Calc & Amortization sells 1 one-off in-app purchase. Debt Magic asks for nothing beyond the download.

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.

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.

## The numbers

| Metric | Mortgage Calc & Amortization | Debt Magic |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/mortgage-calc-and-amortization/id6553968721/reviews)** | [4.8 (18 ratings)](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437/reviews) |
| Number of ratings | 3 | **18** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 19 months | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 26 MB | 33 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Do Tri](https://appshunter.io/developer/846531282) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## What reviewers say

### Mortgage Calc & Amortization

[App page](https://appshunter.io/ios/app/mortgage-calc-and-amortization/id6553968721)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $6.99 | one-time |


### Debt Magic

[App page](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

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