RLM vs DivvyUp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
RLM
This app simulates a powerful financial calculator, offering extensive tools for business, finance, statistics, and scientific calculations. It provides worksheets for loan amortization, bond pricing, currency exchange, and more, all within an intuitive interface designed for iOS devices.
- Finance worksheets (amortization, bond price, time value of money)
- Business calculations (bill split, break-even, currency exchange)
- Cash flow analysis
- Statistical functions
- Scientific and trigonometric functions
- Unit and currency conversions
- Date and time calculations
- Equation solver
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The RLM-10BX application is a general purpose calculator with a special focus in finance and business. It is based in the Hewlett-Packard HP-10BII calculator series, but specially designed to bring up the most of your iOS devices and , at the same time, conserving the easy of use and all functions originally provided by the real calculator. Get it for free during 30 days (after you have to buy an In-App-Purchase subscription product or one payment for lifetime). The RLM-10BX has a extensive Menu System: >Finance Worksheets: •Account Balance: Calculates the Balance of cash transactions and interest applied at arbitrary dates. •Amortization: Loan Amortization Schedule for a single or several loan payments. •Bond Price & Yield: Calculates the Price, Yield and Effective Duration of a Bond. •Black-Scholes Options: Calculates the CALL, PUT and “Greeks” values of a Black-Scholes European option. •Depreciation: Calculates depreciation with SL, SOYD, DB or MACRS methods and conventions. •Time Value of Money: Calculates compound Interest problems. >Business Worksheets: •Bill-Tip-Split: Calculates the sharing of a Bill with Tip. •Break-Even: Analyze the following relation: Profit = (Price - Var.Cost) • Units - Fix.Cost •Currency Exchange with on-line rates. •Percents & Margins: Calculates %Change, %Total and Business margins. >Cash Flows Worksheets: •Equal Periods: Calculations with Cash Flows occurring at regular time intervals. •Unequal Periods: Calculations with Cash Flows occurring at arbitrary dates. >Statistics Worksheets: •One-Variable Statistics: Calculations for one variable data samples. •Two-Variable Statistics: Calculations for two variables data samples. •Probability: Combinations, permutations and Normal, Exponential, t-Student and Weibull probability distributions. >Scientific Worksheets: •Angles & Polar: Convert angles and coordinates. •Logarithm functions with common or arbitrary base. •Number Alteration functions •Triangle Solution: Solves a plane triangle. •Trigonometric & Hyperbolic functions. >Conversion Worksheets: •Angles & Polar: Convert angles between DEG,RAD,GRAD,DMS or Slope % & Polar-Rectangular coordinates. •Currencies: world currencies conversions with manual input or on-line current rates. •Interest Rates: Nominal and effective interest conversion. •Units: Physical units conversions. >General Worksheets: •Date: Calculates days between dates with Actual, 360 or 365 days calendars. •Time: Calculates time intervals between different times. •Solver: Calculates arbitrary equations entered as text expression to solve any of the variables knowing the others. •Storage Registers: Store and perform operations directly over the calculators storage registers. •Memory Content: Clear, Back-Up or Restore part or all of the Calculator's memory. •General Settings: Customize many aspects of the calculator including formats & feedbacks. •Help Documents: Description and examples of all the calculator worksheets and features. >Editors Worksheets: To create or edit data •(Date,Trx) List: Transactions and the dates they occurs for the "Account Balance Worksheet". •(Date.CF) List: Cash flows and the dates they occurs for the "Unequal Periods Cash Flows Worksheet". •(X,N) List: Cash flows and repetitions for the "Equal Periods Cash Flows Worksheet". •(X,Y) List: X and Y data samples for the Statistics worksheets. •Solver Equation: Algebraic expression for use in the "Solver" worksheet. •Units Database: Customize the "Units" worksheet. System requirements: iOS 15.0 or above. 30 days Free-Trial. In-App-Purchase: Monthly, Semi-Annual and Annual Auto-renewable subscriptions or One-Payment for life. License Agreement: http://www.apple.com/legal/itunes/appstore/dev/stdeula Disclaimer: THIS IS NOT A HEWLETT PACKARD CALCULATOR, AND IS NOT SPONSORED IN ANYWAY BY HEWLETT PACKARD OR ANY OF ITS SUBSIDIARIES.
DivvyUp
Effortlessly divide expenses with friends using AI receipt scanning. The app itemizes bills, calculates individual shares including tax and tip, and facilitates easy payments through integrated popular services.
- AI receipt scanning
- Automatic itemization
- Proportional tax and tip calculation
- Individual item splitting
- Integrated payment options (Venmo, Zelle, CashApp, PayPal)
- Friend connection for easy splitting
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DivvyUp lets users split bills seamlessly. By using on-device AI models, the app scans a user's receipt and itemizes it for them to split up with friends. Tax and tip, as well as splitting of actual items, are calculated proportionally, so everyone pays for what they ate. Using in-app Venmo, Zelle, CashApp, and PayPal handles, users can pay each other the correct amount with the tap of a button. Connect with friends and split easily using DivvyUp.
Screenshots
Verdict
The clearest difference is review sentiment: DivvyUp at 100% against RLM's 0%. DivvyUp also leads on in-app purchases (none vs 4) and update cadence (fortnightly vs every 2 months). RLM's advantage is iOS requirement (15.0 vs 17.0). On price, ads 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. RLM sells 4 in-app purchases, starting at $0.49 per month. DivvyUp asks for nothing beyond the download.
RLM ships an update every 2 months, DivvyUp fortnightly. The most recent releases landed on September 30, 2026 and September 22, 2026 respectively.
| Parameter | RLM | DivvyUp |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 7 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | R.L.M. Software | Jacob Brown |
Customer experience
RLM
DivvyUp
In-app purchases
RLM
- Monthly Subscription$0.491 Month
- Semi-Annual Subscription$2.996 Months
- Annual Subscription$5.991 Year
- Lifetime Purchase$9.99
DivvyUp
No in-app purchases









