# Repay vs Annuity Simulator

The clearest difference is price: Annuity Simulator at Free against Repay's $0.99. Annuity Simulator also leads on update cadence (every 8 months vs every 19 months) and iOS requirement (12.0 vs 15.0). Repay's advantage is in-app purchases (none vs 1) and ads (none vs shown). On device support there is nothing between them.

Annuity Simulator is free to download; Repay costs $0.99 up front. Annuity Simulator sells 1 one-off in-app purchase. Repay asks for nothing beyond the download.

Repay ships an update every 19 months, Annuity Simulator every 8 months. The most recent releases landed on October 26, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Repay | Annuity Simulator |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/annuity-simulator/id1602254819/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 19 months | **Every 8 months** |
| Monetization | — | Free with in-app purchases |
| Size | 1 MB | 44 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dirrik Emmen](https://appshunter.io/developer/971762282) | [FRANCOIS GUERIN](https://appshunter.io/developer/1552471618) |

## What reviewers say

### Repay

[App page](https://appshunter.io/ios/app/repay-loan-calculator/id971762283)

**Features:** Vision Pro support

**In-app purchases:** none


### Annuity Simulator

[App page](https://appshunter.io/ios/app/annuity-simulator/id1602254819)

Calculate the years needed to access an annuity based on your income and savings capacity. This tool provides instant results and visualizes annuity evolution over time. It does not account for inflation or taxation.

**Highlights:** Income and savings input, Instant annuity calculation, Annuity evolution graph, Cumulative savings table, Simple simulator parameters

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove ads banners | $0.99 | one-time |


## Frequently asked questions

### Is Repay free?

Repay costs $0.99, with no in-app purchases.

### Is Annuity Simulator free?

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

### Do Repay or Annuity Simulator have ads?

Annuity Simulator shows ads; Repay does not.

### Which is updated more often, Repay or Annuity Simulator?

Repay ships an update every 19 months, and Annuity Simulator every 8 months. Most recently, Repay was updated on October 26, 2026 and Annuity Simulator on October 12, 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.*