Best Free Payment Calculator Apps

233+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our free payment calculator list covers 233+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Top Picks for Free Payment Calculator

Loan Calculator‰#1

Loan Calculator‰ by Tim O's Studios, LLC

Simple Loan Calculator
Editor's Choice
💰 Finance
4.9😊(96K ratings)
FreeAds
Loan Calculator‰ screenshot 1

Easily calculate loan or mortgage payments. Simply input the loan amount, repayment term, and interest rate to get your estimated monthly payment.

What We Love

  • 👍 Simple and easy to use
  • 🚀 Straightforward and intuitive
  • 💡 Accurate loan repayment calculations
  • 🚀 Instant results

Room to Improve

  • 🐛 Incorrect interest calculations
  • 🔍 Limited functionality
  • 💸 Excessive advertisements
Loan Calculator - Debt Planner#2

Loan Calculator - Debt Planner by ChuChu Train Productions

Mortgage, Car, School, Payday
Strong Contender
💰 Finance
4.6😐(22K ratings)
FreeAdsIn-App Purchases
Loan Calculator - Debt Planner screenshot 1
Loan Calculator - Debt Planner screenshot 2
Loan Calculator - Debt Planner screenshot 3
Loan Calculator - Debt Planner screenshot 4
Loan Calculator - Debt Planner screenshot 5
Loan Calculator - Debt Planner screenshot 6

This app helps you understand the true cost of loans and mortgages by revealing total interest paid and payoff timelines. It allows for scenario comparisons, extra payment analysis, and detailed amortization schedules. Visualize your debt journey with graphs and access bonus calculators.

What We Love

  • 👍 Easy to use
  • 🚀 Quick calculations
  • 💡 Helpful for financial decisions
  • 🔒 Secure app

Room to Improve

  • 🔍 Lacking advanced features
  • 💸 Excessive ads
  • 🐛 Bugs and crashes
Loan Calculator - Loan2Me#3

Loan Calculator - Loan2Me by Jeffrey Williams

Quick and Easy Loan Calculator
Worth Considering
💰 Finance
4.8😊(8.2K ratings)
FreeIn-App Purchases
Loan Calculator - Loan2Me screenshot 1
Loan Calculator - Loan2Me screenshot 2
Loan Calculator - Loan2Me screenshot 3
Loan Calculator - Loan2Me screenshot 4
Loan Calculator - Loan2Me screenshot 5
Loan Calculator - Loan2Me screenshot 6

This app helps you quickly calculate loan payments, affordability, and potential savings. It offers detailed amortization schedules and allows for scenario planning by adjusting loan parameters. Advanced features include expense breakdowns for mortgages and vehicle loans, plus data synchronization and custom report generation.

What We Love

  • 👍 Easy to use
  • 🚀 Accurate and quick calculations
  • 💡 Helpful for financial planning
  • 🔒 No data tracking or selling

Room to Improve

  • 🐛 Occasional data loss after updates
  • 💡 Lack of currency and language options
  • 💡 Missing features like taxes, insurance, and PMI calculations

More Free Payment Calculator apps to explore

4
RECalc Mortgage Calculator
RECalc Mortgage Calculator
RECalc Mortgage Calculator
Mortgage/loan calculator
Free

Calculate mortgage payments, loan amounts, interest rates, and terms. This app also functions as a standard calculator and supports semi-annual compounding. View loan summaries and amortization tables, and email or save your calculations.

Calculate monthly payment, term, interest rate, loan amountStandard mathematical calculationsSemi-annual compounding support
💰 Finance
(2.6K)
free with in-app purchases
5
Amortization Calculator - Calc
Amortization Calculator - Calc
Amortization Calculator - Calc
Loan Payment Schedule - Emi
Free

Estimate monthly loan payments and visualize repayment schedules with detailed amortization charts. Input loan amount, interest rate, and term to see monthly payments, total interest, and total repayment. Offers both annual and monthly breakdowns for clear financial planning.

Monthly loan payment estimationAmortization chart generationTotal interest calculation
💰 Finance
(797)
free with in-app purchases
6
Car & Auto Payment Calculator
Car & Auto Payment Calculator
Car & Auto Payment Calculator
Auto Lease & Loan Calc Tracker
Free

Estimate monthly payments and total interest for auto leases and loans. This tool helps you understand financing details before meeting with a dealer, offering features like trade-in calculations, scenario saving, and export options. It also includes tools for depreciation, fuel costs, and distance tracking.

Lease payment calculatorLoan payment calculatorTrade-in and fees calculation
💰 Finance
(2.2K)
free with in-app purchases
7
Calculator for iPad!
Calculator for iPad!
Calculator for iPad!
Basic & Scientific Calculator
Free

This app offers both basic and scientific calculation modes with over 30 scientific operations. It allows for customization of the app's appearance and includes features for note-taking, drawing, and viewing calculation history. It supports high accuracy calculations and nested parentheses.

Basic and scientific calculator modesOver 30 scientific operationsCustomizable appearance (iPad)
🔧 Utilities
(60K)
free
8
Calculator‰
Calculator‰
Calculator‰
Default Calculator
Free

This utility app offers a clean and intuitive interface for performing calculations. It prioritizes a user-friendly design with large buttons and a clear display for quick and efficient use.

Large buttonsClear displayFast calculations
🔧 Utilities
(404K)
ad-supported
9
Mortgage Pal - Loan Calculator
Mortgage Pal - Loan Calculator
Mortgage Pal - Loan Calculator
Payment compound interest rate
Free

This comprehensive mortgage toolkit helps users make informed home buying decisions. It offers multiple calculators for payments, affordability, refinancing, and closing costs, along with tools to visualize rate trends and compare renting versus buying.

Mortgage Payment CalculatorMortgage Affordability CalculatorMortgage Refinance Calculator
💰 Finance
(3.4K)
free
10
Basic Calculator+
Basic Calculator+
Basic Calculator+
Basic Four Function Calculator
Free

Perform essential arithmetic operations with a straightforward calculator app. Its large buttons and clear display ensure ease of use, supporting both portrait and landscape orientations.

Basic four functionsClear displayLarge buttons
🔧 Utilities
(243K)
free with in-app purchases
11
Calculator·
Calculator·
Calculator·
Big Basic Calculator
Free

This app offers a straightforward calculation experience, focusing on essential functions without unnecessary complexity. It includes basic arithmetic, percentage calculations, and advanced functions like square root. Users can customize the appearance with multiple color schemes and utilize features like result copying and split-screen multitasking on iPad.

Basic arithmetic operationsPercentage calculationsMultiple color schemes
🔧 Utilities
(33K)
free with in-app purchases
12
Loan Calculator - Payment Calc
Loan Calculator - Payment Calc
Loan Calculator - Payment Calc
Personal, Home, Car, Boat,…
Free

Easily calculate various loan types, including personal, home, and car loans. Input loan details like amount, term, and interest rate to see payment breakdowns and repayment timelines. Compare different loan options and export your results.

Calculate various loan typesCustomizable payment frequencyDetailed interest and principal breakdown
💰 Finance
(964)
free with in-app purchases
13
Calculator for iPad₊
Calculator for iPad₊
Calculator for iPad₊
Basic, Scientific, Plus Calc
Free

This app offers both basic and advanced scientific calculations with an intuitive interface designed for tablets and phones. It includes features like currency conversion, calculation history, and the ability to share results. An optional premium membership removes ads and provides enhanced support.

Basic & Scientific CalculatorAdvanced Scientific FunctionsLive Currency Converter
🔧 Utilities
(126K)
free with in-app purchases
14
Tip Calculator‰
Tip Calculator‰
Tip Calculator‰
Quick Tip Calculator
Free

Easily calculate accurate tips while dining out or on the go. This straightforward tool focuses on reliable calculations, cutting out unnecessary features for a quick and user-friendly experience.

Accurate tip calculationsUser-friendly interfaceQuick calculations
🔍 Reference
(8.8K)
ad-supported
15
Mortgage Calculator- Home Loan
Mortgage Calculator- Home Loan
Mortgage Calculator- Home Loan
Payment Payoff Amortization
Free

Estimate loan expenses with various payment frequencies and explore early payoff strategies. Calculate affordable loan amounts based on your budget and income. Save and manage your mortgage details easily.

Multiple payment frequenciesExtra payment optionsTax and insurance input
💰 Finance
(412)
ad-supported
16
Loan Amortization Calculator
Loan Amortization Calculator
Loan Amortization Calculator
Interest & Payment Schedule
Free

Calculate loan payments, interest, and principal breakdown over time. Explore the impact of extra payments on your total loan cost. Ideal for mortgages, auto loans, and personal credit.

Loan payment breakdownInterest and principal estimationExtra payment impact analysis
💰 Finance
(583)
free with in-app purchases
17
Car Loan Calculator,Auto Lease
Car Loan Calculator,Auto Lease
Car Loan Calculator,Auto Lease
Payment Finance Emi Notes Calc
Free

Estimate monthly payments and total costs for auto loans and leases. Features amortization schedules, chart views, and email sharing. Save and load calculations for easy management.

Auto loan amortizationLease detail viewChart visualizations
💰 Finance
(1.3K)
ad-supported
18
Compounder
Compounder
Compounder
Interest Calculator
Free

Calculate the growth of savings and investments using compound interest. Explore how regular contributions and withdrawals impact your financial goals over time. Designed for anyone to understand and utilize the power of compounding for wealth building.

Calculate compound interestFlexible settingsFactor in periodic withdrawals
💰 Finance
(3.4K)
free
19
ClevCalc - Calculator
ClevCalc - Calculator
ClevCalc - Calculator
All-In-One Calculator
Free

This comprehensive calculator app offers a wide range of tools for everyday calculations, from basic arithmetic and scientific functions to unit and currency conversions. It includes specialized calculators for loans, health, fuel costs, GPA, and more, all within a clean and user-friendly interface.

Scientific calculatorUnit converterCurrency converter
📊 Productivity
(12K)
free with in-app purchases
20
Color Calculator-smart&cute
Color Calculator-smart&cute
Color Calculator-smart&cute
Cute calculator app with theme
Free

This app offers a customizable and fast calculator experience with a wide variety of themes. It includes scientific and standard modes, real-time results, and calculation history. Personalize your math with over 60 cute and colorful themes, including animated options.

60+ free cute and colorful themesExclusive dynamic and special themesScientific & Standard calculator modes
🔧 Utilities
(15K)
freemium