Comparison

FUNCEF vs RLM

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FUNCEF

Manage your federal economist benefits and contributions with this official app. Track your account, simulate retirement, and receive important updates and news from the foundation. It offers secure access to your financial information and direct communication channels.

Highlights
  • Real-time account monitoring
  • Contribution history tracking
  • Benefit plan details
  • Retirement benefit simulator
  • Direct contact with foundation
  • News and updates
Features
Read full description

Welcome to the FUNCEF app, the official application of the Fundação dos Economiários Federais. With the FUNCEF app, participants and beneficiaries have all the necessary tools in the palm of their hand to manage their benefits, track contributions, and stay updated on the latest foundation news. Key Features: Real-Time Monitoring: Check the status of your account, the history of contributions, and the details of benefit plans. Notifications: Receive notifications about updates, changes in plans, and important FUNCEF events. Benefit Simulator: Estimate the value of your retirement based on your contributions and length of service. Contact Us: Contact FUNCEF directly through the app, whether to ask questions, send documents, or request services. News and Updates: Stay informed about everything happening in the world of supplementary pensions and the latest news from FUNCEF. Privacy and Security: We know how important your privacy is. The FUNCEF Mobile app was designed with the highest security standards, ensuring that your data remains protected. Download now and always have FUNCEF with you!

About

RLM

This app is a powerful financial and business calculator designed for iOS devices, replicating the functionality of the HP-12C with expanded features. It offers comprehensive tools for finance, business calculations, statistics, scientific functions, and unit conversions.

Highlights
  • Finance and business calculations
  • Amortization schedules
  • Bond price and yield calculations
  • Black-Scholes options valuation
  • Depreciation methods
  • Currency and unit conversions
  • Statistical analysis
  • Programmable functions
Features
Read full description

The RLM-12CX application is a general purpose calculator with a special focus in finance and business. It is based in the Hewlett-Packard HP-12C calculator, but specially designed to bring up the most of your iOS devices. With all the functions originally provided by the real calculator and expanded with complete set of menus and worksheets. >Finance Menu: •Account Balance: Credit line type account based on cash transactions and interest rates applied. •Amortization: Loan Amortization Schedule for a single loan payment or from several payments at once. •Bond Price & Yield: Bonds calculations in an easy way with all options and values at sight. •Black-Scholes Options: CALL, PUT and “Greeks” calculations of the Black-Scholes European option valuation model. •Depreciation: Calculates depreciation with SL, SOYD, DB or MACRS methods and conventions. values at sight. •Interest Conversion: Nominal and effective interest conversion. •Time Value of Money: Compound Interest problems involving money earning interest over a period of time. >Business Menu: •Bill-Tip-Split: Calculates the sharing of a Bill with Tip. •Break-Even: Analyze the following relation: Profit = (Price - Var.Cost) • Units - Fix.Cost •Date/Time: Calculates Date and Time intervals with all values at sight. •Currency Exchange with on-line rates. •Percents & Margins: Calculates %Change, %Total and Business margins. >Cash Flows Menu: •Equal Periods: Calculations with Cash Flows occurring at regular time intervals. •Unequal Periods: Calculations with Cash Flows occurring at arbitrary dates. >Statistics Menu: •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 Menu: •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. >Convert Menu: •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. >Program Menu Create, edit or load previously saved programs. >Solver Menu Solve arbitrary algebraic equations entered and saved in the equation editor and creates a menu with all the variables to solve any of them. >Utilities Menu •General Settings: Customize the calculator to your preference. •Storage Registers: Store and perform operations directly over the calculator’s storage registers. •Memory Content: Shows all memory content edit, backup or restore. •Help Documents: learn by example about all menus. >Editors: submenu to select data editors. 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.

Screenshots

RLM4 screens

Verdict

The call

The clearest difference is in-app purchases: FUNCEF at none against RLM's 4. FUNCEF also leads on rating (4.9 vs 4.5). RLM's advantage is review sentiment (90% vs 58%). On price, ratings volume, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. RLM sells 4 in-app purchases, starting at $0.49 per month. FUNCEF asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

FUNCEF holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 47 and 18 respectively. Written reviews complicate that: 58% of FUNCEF's written reviews are positive against 90% of RLM's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

FUNCEF ships an update every 2 months, RLM every 5 weeks. The most recent releases landed on October 9, 2026 and September 26, 2026 respectively.

Scorecard4 real differences · 6 level
FUNCEF versus RLM: the parameters behind the verdict, then further details
ParameterFUNCEFRLM
PriceFreeFree
Rating4.9 (47 ratings) — better4.5 (18 ratings)
Positive reviews57.7% of reviews90.0% of reviews — better
Number of ratings47 — better18
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.715.0 — better
Further details — not scored
Size47 MB5 MB
Age rating17+4+
DeveloperFUNDACAO DOS ECONOMIARIOS FEDERAIS FUNCEFR.L.M. Software

Customer experience

FUNCEF

All ratings38 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews26 reviews
Positive57.7%
Neutral7.7%
Negative34.6%

RLM

All ratings18 ratings
Positive88.9%
Neutral0.0%
Negative11.1%
Written reviews10 reviews
Positive90.0%
Neutral0.0%
Negative10.0%

In-app purchases

None

FUNCEF

No in-app purchases

4 purchases

RLM

Subscriptions3
  • Monthtly Subscription$0.491 Month
  • Semi annual Subscription$2.996 Months
  • Annual Subscription$5.991 Year
One-time1
  • Lifetime Purchase$9.99

Questions

Is FUNCEF free?
FUNCEF is free to download, with no in-app purchases.
Is RLM free?
RLM is free to download, with in-app purchases available.
Which has better reviews, FUNCEF or RLM?
FUNCEF is rated higher. FUNCEF averages 4.9 out of 5 from 47 ratings, while RLM averages 4.5 from 18 ratings.
Do FUNCEF or RLM have ads?
Neither FUNCEF nor RLM shows ads.
Which is updated more often, FUNCEF or RLM?
FUNCEF ships an update every 2 months, and RLM every 5 weeks. Most recently, FUNCEF was updated on October 9, 2026 and RLM on September 26, 2026.

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