Best Free Payment Calculator Apps

249+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our free payment calculator list covers 249+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Free Payment Calculator Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Loan Calculator‰Loan Calculator‰Free4.9★ (96K)YesNoAug 2026
2Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6★ (22K)YesYesAug 2026
3Loan Calculator - Loan2MeLoan Calculator - Loan2MeFree4.8★ (8.2K)NoYesAug 2026
4RECalc Mortgage CalculatorRECalc Mortgage CalculatorFree4.7★ (2.6K)YesNoAug 2026
5Calculator: No Ads / Ad-FreeCalculator: No Ads / Ad-FreeFree4.7★ (4.5K)NoYesAug 2026
6Calculator: EasyCalcCalculator: EasyCalcFreeYesYesJul 2026
7Basic Calculator+Basic Calculator+Free4.9★ (243K)YesNoAug 2026
8Calculator for iPad!Calculator for iPad!Free4.7★ (60K)NoNoAug 2026

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
Calculator: No Ads / Ad-Free
Calculator: No Ads / Ad-Free
Calculator: No Ads / Ad-Free
Basic, Scientific & Finance
Free

This app offers a private and accessible calculation experience with no advertisements. It includes scientific, financial, and basic calculation functions, along with features like voice feedback and visual charts for loans and investments.

Scientific calculatorFinancial calculator (budgets, loans, mortgages)Audible speech feedback
🔧 Utilities
(4.5K)
free with in-app purchases
6
Calculator: EasyCalc
Calculator: EasyCalc
Calculator: EasyCalc
Smart Calculator & Converter
Free
🔧 Utilities
(0)
7
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
8
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
9
Calculator
Calculator
Calculator
by The App Tower Inc.
Free

This utility app offers a straightforward calculation experience with a vast selection of over 80 customizable themes. Personalize your calculator's appearance to suit your style while performing everyday math tasks.

Basic calculationsOver 80 themesTheme customization
🔧 Utilities
(146K)
free with in-app purchases
10
Finance : Loan Emi Calculator
Finance : Loan Emi Calculator
Finance : Loan Emi Calculator
Money Manager: Early Repayment
Free

This app helps you manage your finances by calculating EMIs for various loans, planning investments, and converting currencies. It offers tools for personal, business, and mortgage loans, as well as savings calculators and unit converters.

Loan EMI calculationInvestment and savings planningCurrency conversion
💰 Finance
(0)
free with in-app purchases
11
Calculate Bank Loan - Fixed Monthly Payment Calculator Free
Calculate Bank Loan - Fixed Monthly Payment Calculator Free
Calculate Bank Loan - Fixed Monthly Payment Calculator Free
by 齐 陈
Free

Easily calculate loan payments for various types of loans like car or home loans. Simply input the loan amount, interest rate, and term to quickly get your fixed monthly payment results.

Calculate loan paymentsSupports car loansSupports home loans
🔧 Utilities
(11)
free
12
Paycheck Calculator Salary USA
Paycheck Calculator Salary USA
Paycheck Calculator Salary USA
Income Tax Take-home Net Pay
Free
💰 Finance
(0)
13
Loan Cash : Calculator App
Loan Cash : Calculator App
Loan Cash : Calculator App
Fast Cash & EMI Tools
Free

This app provides tools to understand loan payments, estimate interest, and plan repayments. It offers financial learning guides and budgeting tools for easy financial management. All calculations are for guidance purposes only.

EMI CalculatorLoan Interest CalculatorPersonal & Home Loan Estimator
💰 Finance
(2)
ad-supported
14
Bankrate Mortgage Calculator
Bankrate Mortgage Calculator
Bankrate Mortgage Calculator
Mortgage Calculator Loan & EMI
Free
🔧 Utilities
(0)
15
Calculator - Free Calculator
Calculator - Free Calculator
Calculator - Free Calculator
by 祥祎 刘
Free

A straightforward and reliable calculator application designed for iPad and iOS 9. It offers a standard calculation experience with a charming piano sound effect and is optimized for high-resolution screens.

Standard calculator functionalityOptimized for iPad & iOS 9High-resolution screen optimization
🔧 Utilities
(1.4K)
free
16
Easy Paycheck Calculator
Easy Paycheck Calculator
Easy Paycheck Calculator
Salary calculator
Free

Easily calculate your net salary after taxes and deductions. This tool breaks down your gross income, federal and state taxes, Medicare, and Social Security contributions to show your exact take-home pay. Supports all 50 U.S. states and Washington D.C.

Calculate net salaryInclude overtime payAutomatic tax calculation
💰 Finance
(1)
free
17
Payment CaIculator
Payment CaIculator
Payment CaIculator
Loan Calculator - Mortgage
Free

This app helps you understand your loan payments for mortgages, car loans, and personal loans. It generates detailed amortization schedules and provides visual charts of your financial progress. Empower your financial decisions with this essential tool.

Loan payment calculationMortgage calculationCar loan calculation
💰 Finance
(3)
free with in-app purchases
18
旺财计算器
旺财计算器
旺财计算器
历史记录&纯净无广科学计算器
Free
🔧 Utilities
(0)
19
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
20
Calculator with no pop up ads
Calculator with no pop up ads
Calculator with no pop up ads
Basic, Scientific, Loan & More
Free

This app offers three distinct calculator functions: a standard calculator for daily tasks, a comprehensive loan and finance calculator, and a detailed product pricing tool. It allows users to analyze costs, profit margins, and retail markups for business and personal use, all without intrusive advertisements.

Standard calculatorLoan, annuity, and bond calculatorProduct pricing and cost analysis
💼 Business
(2)
free

FAQ about Free Payment Calculator

What are the best free payment calculator apps for iPhone?
Loan Calculator‰ tops our free payment calculator apps ranking as of July 2026, with a 4.9-star average from 96K App Store ratings, and it's free to download.
Loan Calculator‰ shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 249+ free payment calculator apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you estimate your monthly payments for loans or mortgages. You can quickly see how different loan amounts, terms, and interest rates will affect your repayment schedule.
Using the calculator is straightforward. You just need to enter the total loan amount, the desired repayment term (e.g., in years or months), and the annual interest rate. The app will then provide an estimated monthly payment.