Changed vs Splitorium

Pay Off Debt Faster With Automatic Extra Payments Changed is a powerful debt payoff planner and debt tracker designed to help you reduce balances and become debt free faster. “If you have debt, you need this app.” - Mark Cuban, Changed Investor Turn spare change from everyday purchases into extra payments that accelerate your payoff plan and save on interest. AUTOMATE YOUR DEBT PAYOFF Changed makes it easy to make extra payments without changing your lifestyle. • Round Up Purchases - Automatically send spare change from everyday purchases toward your debt • Boost Payments - Add extra payments anytime to accelerate your payoff plan • Automated Transfers - Schedule recurring payments that fit your budget • Stay Consistent - Small extra payments can make a big impact over time Automation helps you stay on track and pay off debt faster. TRACK ALL YOUR DEBT IN ONE PLACE See all your balances in one place and monitor your progress as you work toward becoming debt free. Track and manage: • Credit card debt • Student loans • Auto loans • Medical debt • Personal loans • Mortgages • Tax debt • Other balances See everything in one place and stay focused on your goal of becoming debt free. PROVEN STRATEGIES TO PAY OFF DEBT Changed supports the most popular debt payoff strategies used by financial experts. Choose the approach that works best for you: • Debt Snowball - Pay off smaller balances first to build momentum • Debt Avalanche - Focus on high-interest debt to save more money • Extra Payments - Add additional payments anytime to reduce balances faster • Custom Plans - Build your own personalized payoff strategy A clear plan helps you stay motivated and consistent. SEE HOW MUCH INTEREST YOU CAN SAVE Use the built-in debt calculator to understand the impact of extra payments. • Estimate your payoff timeline • See how much interest you can reduce • Compare payoff strategies • Track progress toward becoming debt free Watching your balances shrink helps keep you motivated. THE CHANGED EFFECT Changed members are currently tracking over $6 billion in debt and have already saved $43 million in interest, with $383 million in potential savings identified across the community. Thousands of members use Changed to pay down debt faster, reduce interest, and build healthier financial habits. START YOUR DEBT-FREE JOURNEY Paying off debt doesn't have to feel overwhelming. Changed makes it simple to create a plan, automate extra payments, and track your progress toward financial freedom. Download Changed today and start paying off debt faster.

The expense app built for group organizers. Add anyone to your trip, wedding, or household — even friends who don't have the app. No signups required. You're in control. WHY SPLITORIUM? Tired of chasing people to download yet another app? Splitorium lets you add "virtual users" — track expenses with anyone, app or not. Perfect for the organizer who brings everyone together. YOUR SUPERPOWERS ADD ANYONE. NO SIGNUPS. Virtual users let you include friends, family, or colleagues who don't have the app. No more "can you just download it first?" Track expenses with everyone from day one. FAMILY MODE Traveling with kids? Parents can "handle payments" for the whole family. One person settles all the debts — no splitting with children's accounts. Couples can settle as one. Unique to Splitorium! TRIP COST TRACKING Track expenses as you go. Categories, breakdowns, and shared views so everyone sees where the money went. Perfect for trips, weddings, sports teams, and events. SPLIT BILLS YOUR WAY • Even splits — divide equally in seconds • Percentage splits — everyone pays their fair share • Custom amounts — you decide who pays what • Multiple currencies — USD, EUR, CAD, JPY, CNY WORKS OFFLINE Going camping? On a flight? No WiFi at the cabin? Add expenses offline and everything syncs when you're back online. Perfect for camping, international travel, festivals, and road trips. DEFAULT SPLITS Set the default split once in group settings. All future expenses use that configuration automatically. SHARED LISTS Create shared grocery lists, packing lists, or to-do lists with your group. Assign items, check them off, stay organized together. RECURRING EXPENSES Set up monthly rent, weekly groceries, or annual subscriptions once. Splitorium adds them automatically — never forget an expense again. EASY SETTLEMENTS • See who owes who at a glance • Minimum number of payments calculated • Send money via Venmo, PayPal, or cash • Mark payments as settled instantly COMPLETE CONTROL • Full expense history and audit trail • Edit or delete any expense • Multiple admin support for groups • Privacy-focused — your data stays yours BUILT FOR ORGANIZERS • Trip organizers — track group travel costs from start to finish • Family trips — parents settle for kids, couples as one • Sports teams — coaches, parents, and players in one group • Wedding groups — bridal parties, destination weddings • Households — roommates, rent, utilities, groceries • Events — bachelor parties, reunions, group dinners BEAUTIFUL DESIGN Clean, modern interface that's easy to use. No clutter, no confusion — simple expense tracking that works. PRIVACY FIRST Your financial data is yours. We don't sell your information. Ever. SPLITORIUM PRO The free version is fully functional with per-group limits. Upgrade to Pro for unlimited virtual users, family groups, receipt scanning, shared lists, and recurring expenses. A 14-day free trial is available on select plans. Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. The free trial automatically converts to a paid subscription unless cancelled before the trial ends. Manage and cancel subscriptions in Settings > Apple ID > Subscriptions. Download Splitorium and take control of your group expenses. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://splitorium.com/privacy Terms of Service: https://splitorium.com/terms Questions? Reach us at support@splitorium.com