Comparison

ParmisaK PFM vs Divvify

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

Head to head
About

ParmisaK PFM

Manage personal and family finances by tracking incomes, expenses, and bank transactions. Organize debts, loans, assets, and budgets with detailed reporting and secure login.

Highlights
  • Income and expense tracking
  • Family member financial management
  • Debt and loan management
  • Budgeting
  • Bank transaction recording
  • Detailed financial reports
  • Secure login (PIN/biometric)
Features
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Become the personal accountant of yourself and your family. It’s not difficult to manage your financial issues such as incomes, expenses, bank’s transactions by using Parmisak Personal Accounting. Base definitions: - Define accounts in three levels - Define counterparties and relate them to your Phonebook - Income and expenses - Debtors and creditors - Banks and bank accounts - Funds and wallets - Loans, debts and assets - Manage incomes and expenses of family members - Manage payable and receivable checks and notes - Budgeting incomes and expenses
 Functionalities - Take record of all incomes and expenses
- Take record of all receivable cash and checks (cash and bank, debts and settlement, etc.) - Take record of all payable cash and checks (costs, debt, etc.) - Full management of checks (payables and receivables) - Manage information of payable checks with due - Cash or bounce checks and the ability to update bank accounts - Management of banks and funds - Assign each receipt and payment to a family member
- Record payable and received loans and installments with the ability to determine the type of installment fees in both simple and advanced mode
- Ability to record all of the installments with the first installment date and the number of installments
- Ability of receipt with the ability to deduct payments from a certain account
 Reports
- Trial balance report
- Invoice reports and turnover report of each of the accounts with the ability of export to Excel
- Presentation of income and expense account balances with charts - Daily report of total costs and expenses - Total report of expenses by each expense record - Total report of incomes by each income record
- Report account balance with the ability to display and review any account balance headlines with all details
- Report status and turnover of each family member 
- Report manual installment of received or payables loans - Ability to manage and send Excel files (Bluetooth, Email, Dropbox, etc.)
 Support
- Get quick support via ticketing system
- Continuous updates and new features
- Automatic backups
- Manage backup files and sharing them via Bluetooth, Drop box, email and etc.
- Ability to restore backups
 Features
- Pin-based and biometric login to protect your data
- Ability to change font and font size
- And many other useful features...
 Contact us Website: https://www.accexpert.com Email: Info@accexpert.com

About

Divvify

This platform facilitates co-ownership of assets by connecting individuals, enabling them to find partners, pool resources, and manage shared investments. It provides tools for negotiating terms, tracking finances, and communicating within co-owner groups.

Highlights
  • Find co-ownership partners
  • Pool resources for assets
  • Negotiate ownership terms
  • Manage shared finances
  • Group communication tools
  • Facilitate asset exit strategies
Features
Read full description

Divvify is the co-ownership marketplace that makes it easy to find partners, pool resources, and co-own assets together. Whether you want to invest in real estate, share a vehicle, co-own a boat, or start a business with others — Divvify connects you with like-minded people and gives you the tools to manage your shared ownership from start to finish. FIND YOUR GROUP Browse listings, apply to co-own assets that interest you, and connect with other owners who share your goals. NEGOTIATE TERMS Set ownership percentages, agree on contributions, and lock in terms — all within the app. MANAGE TOGETHER Track expenses, record income, monitor payments, and communicate with your co-owners in a dedicated group chat. EXIT CLEANLY When the time comes, initiate a close vote, sell your share to another member, or wind down the group together. Divvify is free to join. Co-own what matters.

Screenshots

ParmisaK PFM4 screens
Divvify4 screens

Verdict

The call

The clearest difference is ratings volume: ParmisaK PFM at 2.6K against Divvify's 1. ParmisaK PFM also leads on iOS requirement (12.0 vs 15.1). Divvify's advantage is update cadence (every 2 months vs every 4 months). On price, rating, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for ParmisaK PFM against 5.0 for Divvify. That said, the two scores are not equally well evidenced: ParmisaK PFM has 2.6K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

ParmisaK PFM ships an update every 4 months, Divvify every 2 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
ParmisaK PFM versus Divvify: the parameters behind the verdict, then further details
ParameterParmisaK PFMDivvify
PriceFreeFree
Rating4.9 (2.6K ratings)5.0 (1 ratings) — better
Positive reviews94.1% of reviews—
Number of ratings2.6K — better1
Update frequencyEvery 4 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS12.0 — better15.1
Further details — not scored
Size20 MB35 MB
Age rating4+4+
DeveloperKarim BesharatiDivvify LLC

Customer experience

ParmisaK PFM

All ratings2,480 ratings
Positive97.1%
Neutral1.3%
Negative1.6%
Written reviews239 reviews
Positive94.1%
Neutral0.8%
Negative5.0%

Divvify

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

ParmisaK PFM

Reported bugs

3 issues
  • Login issues
  • Problems with loan and payment tracking
  • Inability to delete old/unused accounts

Requested features

5 requests
  • Add search functionality
  • Integrate with bank SMS/notifications
  • Implement dark mode
  • Allow data backup and sync across devices
  • Improve UI/UX for better navigation

Divvify

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ParmisaK PFM

No in-app purchases

None

Divvify

No in-app purchases

Questions

Is ParmisaK PFM free?
ParmisaK PFM is free to download, with no in-app purchases.
Is Divvify free?
Divvify is free to download, with no in-app purchases.
Which has better reviews, ParmisaK PFM or Divvify?
Divvify is rated higher. ParmisaK PFM averages 4.9 out of 5 from 2.6K ratings, while Divvify averages 5.0 from 1 ratings.
Do ParmisaK PFM or Divvify have ads?
Neither ParmisaK PFM nor Divvify shows ads.
Which is updated more often, ParmisaK PFM or Divvify?
ParmisaK PFM ships an update every 4 months, and Divvify every 2 months. Most recently, ParmisaK PFM was updated on November 3, 2026 and Divvify on October 31, 2026.

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