Top Problems With Loan Calculator Apps in 2026

We analyzed 20 negative reviews from the top 5 Loan Calculator apps on the App Store. Here's what users hate most.

20
Reviews Analyzed
9
Issues Found
78/100
Opportunity Score

Top User Complaints

Ranked by frequency — how often each complaint appears in negative reviews.

#1: Excessive/intrusive advertising

High Severity

30% of negative reviews mention this issue.

"In my opinion, when you're calculating something like this, you do not need a commercial shut down your throat."
"It's like having adware while you are trying to crunch numbers. It makes the calculator hard to use when your forced to watch a video or wait to see results."

#2: Ads persist after paid purchase

High Severity

15% of negative reviews mention this issue.

"I still have ads even though I paid for the app. There is a note omn the app that indicates there is a restore button to remove apps, but it is missing on the version I have."
"I use to love this app. But for the life of me, I can't figure out why I am seeing all these ads when I have paid for use of this app!!!!"

#3: Input fields freeze/lock/clear unexpectedly

High Severity

25% of negative reviews mention this issue.

"Every time I insert a total amount with more than two numbers, then go to the next line to insert interest and total months, the amount I entered for total debt clears and only the first two numbers will show."
"Locked up on months and cannot unlock"

#4: App freezes/crashes/doesn't work

High Severity

20% of negative reviews mention this issue.

"App is a piece of garbage. Froze up and would not let me see amortization table"
"Doesn't work , freezes up"

#5: Unable to edit/clear previous calculations

Medium Severity

5% of negative reviews mention this issue.

"Can not clear first figures and put in new figured"

#6: UI/keyboard blocking critical buttons

Medium Severity

5% of negative reviews mention this issue.

"I'm unable to contact the developer because I'm unable to scroll up to hit the send button the keyboard blocks it."

UX Pain Points

Design and usability issues driving negative reviews.

Non-functional 'Done' button

Critical action buttons fail to respond, blocking user workflow completion

"It's a great app. But when I press the done button nothing happens."

Input validation failures with multi-digit numbers

Apps struggle with basic number input, clearing or truncating values when users enter realistic loan amounts

"Every time I insert a total amount with more than two numbers, then go to the next line to insert interest and total months, the amount I entered for total debt clears and only the first two numbers will show."

Locked/restricted input fields

Key calculation parameters are locked preventing users from exploring different scenarios

"This app doesn't allow you to change the payment amount that I could see it has a locked sign beside it."

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