Comparison

Mortgage Tracker | SPARC vs Refi Scout

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

Head to head
About

Mortgage Tracker | SPARC

This app helps you manage and understand your mortgage details. It calculates key metrics, provides an amortization schedule, and visualizes your financial progress. Keep track of multiple properties with iCloud syncing across your iOS devices.

Highlights
  • Calculate principal, interest, and monthly payments
  • View detailed amortization schedules
  • Visualize mortgage data with graphs
  • Sync data across iOS devices via iCloud
  • Track multiple mortgages simultaneously
Features
Read full description

Introducing our intuitive iOS app designed to streamline tracking and management of your mortgage details, giving you full financial clarity and control: With our app, you can: • Calculate Key Mortgage Metrics: Easily compute essential figures like principal, interest, premium, and monthly payments tailored to your unique mortgage terms, making it easy to stay informed. • Access a Detailed Amortization Schedule: Visualize your mortgage payoff journey over time with an in-depth amortization chart, providing you with a clear and intuitive snapshot of interest versus principal payments. • Enjoy Simple and Intuitive Visualization: Navigate through your mortgage data effortlessly with user-friendly graphs and charts that make complex financial information easy to understand at a glance. • Keep Your Data Synced: Automatically sync mortgage information across all your iOS devices via iCloud, so you always have up-to-date data wherever you go. • Organize Multiple Mortgages: Track and manage multiple properties with separate calculations, and view individual or aggregate details at a glance, perfect for managing personal and investment properties alike. Take control of your mortgage journey with simple and effective visualization – download our app today and achieve better financial management!

About

Refi Scout

This finance app monitors daily mortgage rates and alerts you when refinancing could save you money. It analyzes your specific loan details against national trends to provide a personalized refinance score and custom alerts.

Highlights
  • Daily mortgage rate monitoring
  • Personalized refinance score
  • Customizable refinance alerts
  • Support for multiple properties
  • 12-month rate history
  • On-device data privacy
Features
Read full description

Refi Scout watches mortgage rates every day and tells you when refinancing could save you money — so you never have to think about it. Most homeowners miss their best chance to refinance. Rates move weekly, but life is busy. Refi Scout makes sure you're always on alert. Add your mortgage once. We monitor national rates from the Federal Reserve daily and alert you when refinancing may make financial sense for your specific loan — based on your rate, your balance, and your break-even timeline. What makes Refi Scout different: • Your Refi Score — a 0-100 rating that shows how beneficial refinancing is right now for your loan • Custom alerts — set your own thresholds for rate drop, monthly savings, and break-even timeline • Multiple properties — track every home you own • Rate history — 12 months of 30-year, 15-year, and ARM rate data • Private by design — all mortgage data stays on your device. Always. How it works: 1. Add your mortgage details in under a minute 2. We watch rates daily using Federal Reserve data 3. You get alerted only when the numbers actually may make sense Refi Scout is not affiliated with any lender and receives no referral fees. We have no incentive to push you toward refinancing — we just tell you when the math works. Subscription required after 7-day free trial. Terms of use: https://refiscout.app/terms Privacy policy: https://refiscout.app/privacy Refi Scout is for informational purposes only and does not constitute financial advice. Always consult a licensed mortgage professional before making refinancing decisions.

Screenshots

Mortgage Tracker | SPARC4 screens
Refi Scout4 screens

Verdict

The call

Mortgage Tracker | SPARC and Refi Scout both sit at 5.0 stars, but that hides the real split: 100% of Refi Scout's written reviews are positive against 50% of Mortgage Tracker | SPARC's. Refi Scout also leads on update cadence (daily vs weekly) and iOS requirement (17.0 vs 26.0). Mortgage Tracker | SPARC's advantage is ads (none vs shown). On price, rating, ratings volume and in-app purchases 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 Tracker | SPARC sells 1 one-off in-app purchase and Refi Scout sells 3 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Mortgage Tracker | SPARC against 5.0 for Refi Scout. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews are what separate them: 50% of Mortgage Tracker | SPARC's written reviews are positive against 100% of Refi Scout's.

UpkeepUpdate frequency

Mortgage Tracker | SPARC ships an update weekly, Refi Scout daily. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

Scorecard4 real differences · 6 level
Mortgage Tracker | SPARC versus Refi Scout: the parameters behind the verdict, then further details
ParameterMortgage Tracker | SPARCRefi Scout
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings12 — better
Update frequencyWeeklyDaily — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad — betteriPhone
Requires iOS26.017.0 — better
Further details — not scored
Size5 MB1 MB
Age rating4+4+
DeveloperSPARC SOLUTIONS LLCDappled Company LLC

Customer experience

Mortgage Tracker | SPARC

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Refi Scout

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Mortgage Tracker | SPARC

One-time1
  • Create Unlimited Mortgages$0.99
3 purchases

Refi Scout

Subscriptions2
  • Monthly7 Days trial$6.991 Month
  • Annual7 Days trial$39.991 Year
One-time1
  • Lifetime$99.99

Questions

Is Mortgage Tracker | SPARC free?
Mortgage Tracker | SPARC is free to download, with in-app purchases available.
Is Refi Scout free?
Refi Scout is free to download, with in-app purchases available.
Which has better reviews, Mortgage Tracker | SPARC or Refi Scout?
Mortgage Tracker | SPARC and Refi Scout are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Mortgage Tracker | SPARC or Refi Scout have ads?
Refi Scout shows ads; Mortgage Tracker | SPARC does not.
Which is updated more often, Mortgage Tracker | SPARC or Refi Scout?
Mortgage Tracker | SPARC ships an update weekly, and Refi Scout daily. Most recently, Mortgage Tracker | SPARC was updated on November 4, 2026 and Refi Scout on October 31, 2026.

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