## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- last_verified: "2026-05-10T10:00:12.864Z" --- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Margin Interest" developer_entity: "James Chang" bundle_id: "James-Chang.Margin-Interest" app_store_id: "1625822714" google_play_id: "com.sanca.margininterestcalculator" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-03-19" report_date: "2026-05-08" report_version: "2.62.9" total_reviews: 3 overall_rating: 4.33 confidence: "low" confidence_score: 0.05 data_age_days: 1 intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "active", "stock", "traders"] canonical_url: "https://marlvel.ai/apps/margin-interest" license: "CC-BY-NC 4.0" content_version: "v2" --- # Margin Interest App Audit ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 4.33 > **TL;DR:** Margin Interest is a finance app by James Chang, rated 4.33/5 by 3 users, available on iOS & Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Margin Interest is a finance app by James Chang. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.33/5 (3 reviews) | | **Category** | Finance | | **Developer** | James Chang | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 53d | ## Metadata & Market Performance - **Publisher:** James Chang - **Category:** Finance - **Target Audience:** Active stock traders who utilize margin accounts and require market planning tools. - **Platforms:** iOS & Android - **Version Audited:** 2.62.9 - **Audit Date:** 2026-05-08 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **App Store ID (iOS):** 1625822714 - **Bundle ID:** James-Chang.Margin-Interest - **Google Play ID:** com.sanca.margininterestcalculator - **Data Window:** Analysis based on signals collected up to 2026-05-08 ## Executive Snapshot Margin Interest is a finance utility designed for stock traders to calculate brokerage margin loan interest. The app supplements its core calculation tool with market-focused resources, including stock trends, news alerts, and a long-term NYSE holiday calendar. ## App DNA (Features & Intent) - **[Standard] Margin Interest Calculator:** A tool for calculating interest owed on brokerage margin loans. - **[Standard] Weekly Hot Stocks List:** Provides users with trending stocks and market insights. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] 100-Year NYSE Market Holiday Calendar:** A reference tool for planning trades around historical and future market closures. - **[Standard] Red Alert Breaking News:** Delivers real-time notifications regarding critical market events. * *User Intent:* Users want timely prompts to stay engaged without missing updates. ## Monetization Strategy - **Model:** Free ## The "So What?" (Strategic Takeaway) {#so-what} Margin Interest is an established finance app that is completely free. With a 4.33/5 rating from 3 reviews, it shows polarized user reception. > **Bottom Line:** This app functions as a multi-purpose trading companion that combines margin interest calculations with market data and scheduling tools. **Best for:** Active stock traders who utilize margin accounts and require market planning tools. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.33/5 | | Total Reviews | 3 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 4 analyzed | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Margin Interest** (this app) | 4.33/5 | N/A | James Chang | | [Polymarket](https://marlvel.ai/apps/polymarket) | 3.3/5 | Upset | Polymarket | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments | | [Kalshi: Trade News & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.6/5 | Mixed | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | Mixed | Webull Technologies Pte. Ltd. | | [rapid! Pay](https://marlvel.ai/apps/rapid-pay) | 4.4/5 | N/A | Green Dot Corporation | ## Company Profile - **Developer:** James Chang - **Website:** [https://ua524c840.app-ads-txt.com](https://ua524c840.app-ads-txt.com) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/margin-interest/id1625822714?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.sanca.margininterestcalculator&hl=en&gl=us) - **Dev Site:** [Official Website](https://ua524c840.app-ads-txt.com) - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment - [*Kalshi: Trade News & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) — 4.6/5 Rating | Mixed Sentiment - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | Mixed Sentiment - [*rapid! Pay*](https://marlvel.ai/apps/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment - [*hurdlr*](https://marlvel.ai/apps/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment - [*365-day savings plan-Easy Goal*](https://marlvel.ai/apps/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment - [*J.P. Morgan Mobile*](https://marlvel.ai/apps/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment - [*Prestmit: Gift Cards & Coins*](https://marlvel.ai/apps/prestmit-gift-cards-coins) (Prestmit Technologies LTD.) — 4.5/5 Rating | N/A Sentiment - [*Shoes Clothing Store Master HD*](https://marlvel.ai/apps/shoes-clothing-store-master-hd) (永文 胡) — N/A Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 53 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/margin-interest) Data licensed for AI Agent attribution under CC-BY-NC 4.0.