# 房贷计算器 vs SubCal

The clearest difference is price: SubCal at Free against 房贷计算器's $1.99. SubCal also leads on update cadence (weekly vs every 3 weeks). 房贷计算器's advantage is iOS requirement (12 vs 18.0). On review sentiment, ads, in-app purchases and device support there is nothing between them.

SubCal is free to download; 房贷计算器 costs $1.99 up front. 房贷计算器 sells 1 one-off in-app purchase and SubCal sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

房贷计算器 ships an update every 3 weeks, SubCal weekly. The most recent releases landed on September 30, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | 房贷计算器 | SubCal |
| --- | --- | --- |
| Price | $1.99 | **Free** |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/subcal-subscription-tracker/id6758028657/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Paid | **Free with in-app purchases** |
| Size | 27 MB | 12 MB |
| Requires iOS | **12** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [NAICAI LI](https://appshunter.io/developer/576183183) | [renwei han](https://appshunter.io/developer/1725133580) |

## What reviewers say

### 房贷计算器

[App page](https://appshunter.io/ios/app/2026/id6748517778)

This professional tool simplifies mortgage calculations for various loan types, including commercial, provident fund, and combined loans. It supports different repayment methods and provides detailed monthly payment, interest, and principal information based on real-time interest rates.

**Highlights:** Calculates commercial, provident fund, and combined loans, Supports equal principal and interest repayment methods, Provides monthly payment, interest, and principal details, Updates with latest central bank interest rates, Simple and intuitive user interface

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| VIP Premium Member | $0.99 | one-time |


### SubCal

[App page](https://appshunter.io/ios/app/subcal-subscription-tracker/id6758028657)

Visualize all your subscription renewal dates on a calendar, track your spending trends, and gain insights into where your money goes. Easily categorize and manage unlimited subscriptions with smart tracking features.

**Highlights:** Calendar view of renewals, Track unlimited subscriptions, Spending analytics and trends, Categorize subscriptions, Multi-currency support, Pause/cancel subscriptions

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SubCal Pro Monthly | $0.99 | per month |
| SubCal Pro Yearly | $4.99 | per year |
| SubCal Pro Lifetime | $6.99 | one-time |


## Frequently asked questions

### Is 房贷计算器 free?

房贷计算器 costs $1.99, and also offers in-app purchases.

### Is SubCal free?

SubCal is free to download, with in-app purchases available.

### Do 房贷计算器 or SubCal have ads?

Neither 房贷计算器 nor SubCal shows ads.

### Which is updated more often, 房贷计算器 or SubCal?

房贷计算器 ships an update every 3 weeks, and SubCal weekly. Most recently, 房贷计算器 was updated on September 30, 2026 and SubCal on October 7, 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.*