Milford vs FixOrFloat
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Milford
Manage your investments with ease. Track your balance, view personalized performance, and see where your money is invested. Access transaction history, reports, and statements all in one place.
- View account balance
- Personalized performance tracking
- Investment allocation overview
- Transaction history
- Access reports and statements
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Milford's Mobile App makes it easy to keep track of your investments. You can see your balance, personalised performance and where your money is invested. You can also easily view your transaction history and access reports and statements.
FixOrFloat
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The Mortgage Decision Engine for Australian Investors. Stop guessing. FixOrFloat quantifies the opportunity cost of your Australian mortgage structure in seconds. Most calculators sell loans; this one optimizes them. KEY FEATURES: Offset Shield: Visualise the true cash value of your offset account vs. a fixed rate. Break Analysis: Instantly calculate if breaking your contract yields a net profit, factoring in estimated ERA costs. Loyalty Alert: Quantify the "Lazy Penalty" you pay compared to market-leading rates. Rate Modelling: Stress-test your position against future RBA rate shifts. PRIVACY FIRST 100% on-device processing. We never store your loan balance, rates, or offset details. DISCLAIMER: General calculation scenarios only. Not financial advice or an offer of credit. Consult a qualified broker before refinancing.
Screenshots
Verdict
The clearest difference is iOS requirement: FixOrFloat at 13.0 against Milford's 16.4. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | Milford | FixOrFloat |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) — better | — |
| Positive reviews | 40.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 6 weeks | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 13.0 — better |
| Further details — not scored | ||
| Size | 115 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Milford Asset Management Limited | DAOx |
Bugs and requests
Milford
Reported bugs
65 issues- App not opening, white screen
- Portal broken
- Always crashing
- Terrible 2 factor implementation
- Facial recognition removed every few logins
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- PIN incorrect after facial recognition issues
- All information lost after PIN issues
- No biometric security
- Account performance takes forever to load
- Gap on left side of hamburger menu
- Profile icon but can't change photo
- Way too many updates
- Constantly in maintenance
- App crashes when it opens
- Haven't been able to log in for a month
- Always crashing
- Always getting new updates
- Needs much improvement
- Logged out completely, need full username/password
- Face ID/PIN doesn't work
- Tools & Calculators menu item disappearing
- Forecast My Balance calculator full of bugs
- Never been able to access information
- Stuck with setup login details
- Not possible to logout and login with alternative details
- Unused friendly
- Updates every week
- Frustrating frequent updates
- Minor changes with frequent updates
- Many bugs
- Customer experience not highest priority
- Often under maintenance
- No customer feedback mechanisms
- App is the weakest link
- Have to kill app after maintenance mode
- Frequent updates make app unusable
- Forces auto updates mid-transaction
- Disappointing
- Doesn't do landscape orientation on iPad
- iPad version no longer works in wide screen mode
- Widescreen mode no longer works on iPad
- Error occurred, won't let you log in
- Collects data from iOS clipboard
- Lazy programming or data collection tactic
- App crashes five to ten seconds after loading
- Continuously glitches
- Forgets password after a few days
- Fingerprint ID doesn't work
- Hard to use when you can't log in
- Requires login every day
- No username and password saved
- Hunt for username and password again every day
- Very annoying login
- Periodically requires random username re-entry
- Keeps losing login details
- Crash a couple times lately
- Logs out session
- Prompts to set up 4 digit pin plus Touch ID
- Not prompting for authenticator code
- Allowed to log in with only credentials without authenticator code
- Security issue, could log in without MFA
- Authenticator no longer asked for
- Blank home screen
- No transaction or account data pulled through
- Crashes when tapping several links
Requested features
8 requests- Passkey option
- Dark mode
- Landscape orientation on iPad
- Wide screen mode on iPad
- Customer feedback mechanisms in the app
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- Live feed for copy changes
- Option to choose Authenticator app type
- Switch preference to SMS OTP
FixOrFloat
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Milford
No in-app purchases
FixOrFloat
No in-app purchases
