privateSLM vs Divvys

privateSLM — private AI that runs on your device. Free. Chat with an AI that never sends a word to the cloud. privateSLM runs language models directly on your iPhone, iPad and Mac — no account, no server, no internet needed. On devices with Apple Intelligence it answers on the first tap, with nothing to download. On any other device, pick a free model and you are chatting in a minute. ASK YOUR DOCUMENTS — OFFLINE Attach a PDF, a Word file or a photo of a page and ask about it: • "Summarize this contract" • "What is the notice period?" • "Explain this letter in simple terms" The file is read on your device — scanned pages too, with on-device text recognition — and is never uploaded. Long documents work as well: privateSLM finds the passages that answer your question, or reads the whole document part by part for a summary. FREE, WITH NO CATCH • Chat with Apple Intelligence or free general models (Llama, Qwen, Gemma, Phi) • Documents: PDF, Word, text files and scans • Voice in and voice out • Chat history, Siri and Shortcuts, a Home Screen widget • No ads. No account. No tracking. EXPERT MODEL PACKS — PAY ONCE Want a specialist? Add a pack with a one-time purchase. No subscription, ever. • Tech Pack — coding, SQL, math and security models • Business Pack — law, finance and translation models • Health Pack — medical and mental-health models • All Packs — everything above, and every pack added later Purchases work with Family Sharing. Bought privateSLM when it was a paid app? Every pack is already yours, automatically. 100% PRIVATE Everything runs on-device. No sign-up, no analytics, no ads. Your chats and documents are stored only on your device. It works in airplane mode. BUILT TO ACTUALLY USE • Matched to your device — privateSLM checks your device's memory, on-device, and shows the models that will run well. • Resumable downloads that survive a dropped connection. • Speak your question, hear the answer. • Stop, copy or regenerate any reply. • Translate the chat into your language, on-device (iOS 18 and later). • Tune the system prompt and sampling. • Siri and Shortcuts: Ask, Summarize, Rephrase, Translate. PERFECT FOR • Contracts, letters and reports you would rather not upload anywhere • Flights and travel with no connection • When another AI's credits have run out • Anyone who wants answers that never leave the device Runs on-device with llama.cpp and Apple Intelligence. Note: Apple Intelligence requires a supported device and iOS 26 or later; on other devices the first answer needs a model download. The Medical, Legal and Finance models are AI assistants for general information only — not professional medical, legal or financial advice. Larger 7B expert models run best on recent devices with 8 GB or more of memory.

Divvy is the privacy-first dividend tracker for investors who refuse to connect brokerage accounts and are tired of subscription fatigue. Start free, unlock everything forever with one-time Lifetime Pro, or subscribe month-to-month. Track your dividend-paying stocks, see your monthly income at a glance, and never miss an ex-date again. Divvy combines simple pricing, local-first privacy, tax export, DRIP simulation, and 12-month forecasting in a single app. KEY FEATURES: - Add any dividend-paying stock by ticker symbol. Search by company name or symbol, enter your shares, and Divvy fetches dividend data automatically. - See your estimated monthly dividend income at a glance with smooth animated numbers. - View ex-dividend and pay dates in a clean monthly calendar. Swipe between months to plan ahead. - Swipe to mark dividends as received and watch your year-to-date total grow in real time. - Pull to refresh dividend data anytime. Data is cached for 24 hours. - Lock the app with Face ID for privacy. Your financial data stays on your device. - Sync across your iPhone and iPad with iCloud. Your data lives in your private iCloud container. - Celebrate milestones when your YTD dividends cross $100, $500, $1,000, or $5,000. - Full dark mode support that follows your system theme. - See exactly where your data goes with the built-in Data Transparency view. PRO FEATURES (Lifetime Pro $19.99 one-time, $1.99/mo, or $9.99/yr — the Yearly subscription includes a 3-day free trial): - Unlimited holdings (free tier: 5 holdings max). - 12-Month Forecast: Visualize your next 12 months of projected dividend income with bar charts. - DRIP Simulator: See how reinvesting dividends compounds your portfolio over 1, 5, or 10 years. Adjust growth rates to model different scenarios. - Ex-Date Alerts: Get a notification 3 days before each ex-dividend date so you never miss a buy window. - 1099-DIV Tax Export: Generate a PDF summary of your dividends for tax filing. Export to Files, Mail, or AirDrop. AI INSIGHTS (Free tier: 3 AI calls per day): - AI Safety Score: Get a 0-100 dividend safety score for any holding, powered by AI analysis of yield, payout ratio, and business stability. - AI Portfolio Q&A: Ask questions about your portfolio and get contextual answers based on your actual holdings. - Apple Intelligence: On iOS 26+ devices with Apple Intelligence, AI works at no cost with zero configuration. Free users get 3 AI calls per day. - Bring Your Own API Key: Prefer your own AI provider? Add your API key in Settings. Your key is stored in the iOS Keychain and never leaves your device. AI features are unlimited with your own key. - Any Pro purchase (Lifetime/Monthly/Yearly) unlocks unlimited AI calls. Free users get 3 AI calls per day. - Built for FIRE pursuers and retirees: plan your retirement income stream. PRIVACY FIRST: - Zero data collection. No analytics, no ads, no tracking. - All portfolio data stored locally on your device using SwiftData. - API keys stored in iOS Keychain, encrypted by Apple. - AI queries sent directly from your device to your chosen AI provider. The developer never sees your data. SUBSCRIPTION INFORMATION: - Payment will be charged to your Apple ID account at confirmation of purchase. - The Yearly subscription includes a 3-day free trial. After the trial ends, the subscription automatically renews at $9.99/year unless canceled at least 24 hours before the end of the trial period. - Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. - You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. - Any unused portion of a free trial period will be forfeited when the user purchases a subscription. Terms of Use (EULA): https://asunnyboy861.github.io/Divvy/terms.html Privacy Policy: https://asunnyboy861.github.io/Divvy/privacy.html Download Divvy today and take control of your dividend income.