# Refinance Calculator vs EMAlpha

The clearest difference is in-app purchases: EMAlpha at none against Refinance Calculator's 1. EMAlpha also leads on update cadence (every 4 days vs every 3 weeks) and iOS requirement (13.0 vs 26.2). On price, ads and device support there is nothing between them.

Both are free to download. Refinance Calculator sells 1 one-off in-app purchase. EMAlpha asks for nothing beyond the download.

Refinance Calculator ships an update every 3 weeks, EMAlpha every 4 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Refinance Calculator | EMAlpha |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/refinance-calculator-rateshift/id6757621372/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 2 MB | 20 MB |
| Requires iOS | 26.2 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [TARIUS HOLT](https://appshunter.io/developer/1867860626) | [EMAlpha](https://appshunter.io/developer/1872784354) |

## What reviewers say

### Refinance Calculator

[App page](https://appshunter.io/ios/app/refinance-calculator-rateshift/id6757621372)

This app helps you compare loan rates and payment scenarios to understand borrowing options. Explore different loan terms, save comparisons, and see how rate changes impact total cost. It provides calculation and comparison tools for evaluating financing options.

**Highlights:** Compare interest rates and monthly payments, Explore different loan terms, Save and export comparisons, Understand rate change impact on total cost, Unlock premium features with one-time purchase

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| RateShift Premium | $7.99 | one-time |


### EMAlpha

[App page](https://appshunter.io/ios/app/emalpha/id6758406532)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Refinance Calculator free?

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

### Is EMAlpha free?

EMAlpha is free to download, with no in-app purchases.

### Do Refinance Calculator or EMAlpha have ads?

Neither Refinance Calculator nor EMAlpha shows ads.

### Which is updated more often, Refinance Calculator or EMAlpha?

Refinance Calculator ships an update every 3 weeks, and EMAlpha every 4 days. Most recently, Refinance Calculator was updated on November 5, 2026 and EMAlpha on October 31, 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.*