FUNCEF vs RLM
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Real-time account monitoring
- Contribution history tracking
- Benefit plan details
- Retirement benefit simulator
- Direct contact with foundation
- News and updates
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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!
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.
- 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
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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
Verdict
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
Both are free to download. RLM sells 4 in-app purchases, starting at $0.49 per month. FUNCEF asks for nothing beyond the download.
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.
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.
| Parameter | FUNCEF | RLM |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (47 ratings) — better | 4.5 (18 ratings) |
| Positive reviews | 57.7% of reviews | 90.0% of reviews — better |
| Number of ratings | 47 — better | 18 |
| Update frequency | Every 2 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.7 | 15.0 — better |
| Further details — not scored | ||
| Size | 47 MB | 5 MB |
| Age rating | 17+ | 4+ |
| Developer | FUNDACAO DOS ECONOMIARIOS FEDERAIS FUNCEF | R.L.M. Software |
Customer experience
FUNCEF
RLM
In-app purchases
FUNCEF
No in-app purchases
RLM
- Monthtly Subscription$0.491 Month
- Semi annual Subscription$2.996 Months
- Annual Subscription$5.991 Year
- Lifetime Purchase$9.99









