Comparison

KeySteps vs What's My Payment?

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

Head to head
About

KeySteps

This financial assistant helps users achieve homeownership by providing tools for credit monitoring, affordability analysis, and mortgage readiness assessment. It also features real estate listings and connects users with lenders for guidance.

Highlights
  • Free credit score, report, and monitoring
  • Affordability analysis
  • Real estate listings search
  • Mortgage readiness assessment
  • Financial insights (savings, DTI, net worth)
  • Lender connection for guidance
Read full description

Looking to achieve your dream of homeownership? Look no further than KeySteps, the ultimate financial digital assistant. Whether you're just starting your homeownership journey or you're a seasoned homeowner, KeySteps has everything you need to get mortgage-ready and build your homeownership wealth with confidence. Here are some of the key features that set KeySteps apart: • Free credit score, report, and monitoring: See your credit score and track changes month-to-month. Learn the key factors that make up your score and check your credit report for accuracy. • Affordability analysis: Check your total buying power based on where your finances are today, then see the real-time impact that interest rate changes or other factors can have on your estimated monthly payment. • Real estate listings: Search local and nationwide real estate listings, customize searches, favorite properties you like, and save your searches. • Mortgage readiness assessment: Check your personal Homeownership Snapshot to see how you stand on the key financial factors used for mortgage approvability, and that will help you reduce your estimated monthly payment when buying your next home. • Financial Insights: Track your cumulative savings and DTI as you save up for a new home, and your net worth as you grow wealth in your current one. • Homeownership preparation: Connect with your trusted lender partner to review your mortgage readiness and get their guidance on planning and specific steps you should take to be confident at every stage of your journey. Security is our #1 priority, so you can rest easy knowing that your financial accounts and homeownership preferences are secure. Read our security and privacy policies here: https://finlocker.com/security/ Achieving your dream of homeownership has never been easier. Download KeySteps today and take control of your financial future.

About

What's My Payment?

Features
Read full description

The whatsmypayment.com mortgage calculator experience homebuyers have loved for over 15 years has arrived on iPhone! Easily calculate FHA, VA, USDA, conventional and jumbo mortgage payments with all the program specific nuances handled for you. Use real-time mortgage rates to match your scenario to what's available from real mortgage lenders. Calculate mortgage payments with VA funding fee, including VA disability waiver and subsequent use, upfront FHA mortgage insurance, FHA MIP, USDA guarantee fee, and USDA mortgage insurance. Conventional loan payments include estimated monthly PMI when necessary. * VA funding fee (including disability exemption and subsequent use) * FHA upfront mortgage insurance (UFMIP) and monthly MIP * USDA guarantee fee and annual fee * Conventional loans with estimated PMI * Principal, interest, taxes, and insurance (PITI)

Screenshots

KeySteps4 screens
What's My Payment?4 screens

Verdict

The call

The clearest difference is rating: What's My Payment? at 5.0 against KeySteps's 3.7. KeySteps's advantage is ratings volume (6 vs 1) and iOS requirement (15.0 vs 17.0). On price, 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

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

What's My Payment? holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: KeySteps has 6 ratings behind it against 1, so its average is the more settled of the two.

Scorecard3 real differences · 7 level
KeySteps versus What's My Payment?: the parameters behind the verdict, then further details
ParameterKeyStepsWhat's My Payment?
PriceFreeFree
Rating3.7 (6 ratings)5.0 (1 ratings) — better
Positive reviews100.0% of reviews—
Number of ratings6 — better1
Update frequencyMonthly—
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size114 MB2 MB
Age rating12+4+
DeveloperFinlocker LLCWhat's My Payment?

In-app purchases

None

KeySteps

No in-app purchases

None

What's My Payment?

No in-app purchases

Questions

Is KeySteps free?
KeySteps is free to download, with no in-app purchases.
Is What's My Payment? free?
What's My Payment? is free to download, with no in-app purchases.
Which has better reviews, KeySteps or What's My Payment??
What's My Payment? is rated higher. KeySteps averages 3.7 out of 5 from 6 ratings, while What's My Payment? averages 5.0 from 1 ratings.
Do KeySteps or What's My Payment? have ads?
Neither KeySteps nor What's My Payment? shows ads.

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