# ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター vs THEO[テオ] ロボアドバイザーでおまかせ資産運用

The clearest difference is review sentiment: ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター at 58% against THEO[テオ] ロボアドバイザーでおまかせ資産運用's 24%. ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター also leads on iOS requirement (15.0 vs 17.6). THEO[テオ] ロボアドバイザーでおまかせ資産運用's advantage is update cadence (every 3 weeks vs every 5 months). On price, ads, in-app purchases and device support there is nothing between them.

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

ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター ships an update every 5 months, THEO[テオ] ロボアドバイザーでおまかせ資産運用 every 3 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター | THEO[テオ] ロボアドバイザーでおまかせ資産運用 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/theo/id1259086365/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | **58.5% of reviews** | 24.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | — | Ad-supported |
| Size | 59 MB | 42 MB |
| Requires iOS | **15.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Kouhei Yamamoto](https://appshunter.io/developer/632398998) | [MONEY DESIGN Co., LTD.](https://appshunter.io/developer/1259086362) |

## What reviewers say

### ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター

[App page](https://appshunter.io/ios/app/id695486190)

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Very easy to understand
- 👍 Useful for business negotiations
- 👍 Simple and easy to use
- 👍 Convenient for planning repayment
- 👍 Quick calculations

**What reviewers complain about**

- 👎 Incorrect simulation with mixed repayment types
- 👎 Simulation errors with multi-stage repayment plans
- 👎 Ads are intrusive and obstructive
- 👎 Limited to single loan simulation
- 👎 Cannot simulate interest rate changes

**Reported bugs**

- Simulation errors when mixing 'period reduction' and 'repayment amount reduction'
- App crashes or becomes unresponsive on iOS 14.1 and later
- Close button for ads is deceptive
- App freezes or becomes inoperable after OS updates
- App crashes after splash screen on iOS 14.1

**Requested features**

- Support for interest rate changes during simulation
- Ability to input monthly repayment amounts
- Support for multiple loans simultaneously
- Option to add birthdate or age for completion age calculation
- Ability to set initial payment amounts other than equal


### THEO[テオ] ロボアドバイザーでおまかせ資産運用

[App page](https://appshunter.io/ios/app/theo/id1259086365)

This app offers AI-powered, automated investment management services. It creates personalized portfolios using a wide range of ETFs, aiming for long-term growth and risk reduction. Ideal for those new to investing or seeking efficient, hands-off wealth management.

**Highlights:** Personalized investment portfolios, AI-driven asset management, Diversified ETF-based investments, Multiple portfolio strategies, Smart beta investment approach, Low management fees

**In-app purchases:** none


## Frequently asked questions

### Is ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター free?

ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター is free to download, with no in-app purchases.

### Is THEO[テオ] ロボアドバイザーでおまかせ資産運用 free?

THEO[テオ] ロボアドバイザーでおまかせ資産運用 is free to download, with no in-app purchases.

### Do ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター or THEO[テオ] ロボアドバイザーでおまかせ資産運用 have ads?

Both ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター and THEO[テオ] ロボアドバイザーでおまかせ資産運用 show ads.

### Which is updated more often, ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター or THEO[テオ] ロボアドバイザーでおまかせ資産運用?

ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター ships an update every 5 months, and THEO[テオ] ロボアドバイザーでおまかせ資産運用 every 3 weeks. Most recently, ローンメモ繰上　住宅ローン繰り上げ返済計算シミュレーター was updated on November 6, 2026 and THEO[テオ] ロボアドバイザーでおまかせ資産運用 on November 2, 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.*