Splitright vs Dipply

Split expenses with friends, roommates and family. No account, no ads and no subscription. One person creates a group. Everyone else joins with a six-character code or scans its QR code. Add who paid, how much and who shared each expense. SPLIT EACH EXPENSE YOUR WAY • Equally, when everyone shared it evenly. • By shares, for splits such as 2:1 or 3:1. • By exact amounts, when each person owes something different. Use a different split for each expense, whether you are sharing rent, groceries, dinner or a vacation. SEE WHO PAYS WHOM Check each person's balance and use the settle-up view for a clear repayment plan. Record a payment after it has been made. Splitright does not move money: pay each other by bank transfer, cash or your usual payment app. 43 SUPPORTED CURRENCIES Add expenses in 43 currencies. Convert mixed-currency expenses at settle-up, using saved exchange rates where available. The app shows the rates used; older expenses without saved rates can use current rates. KEEP YOUR GROUP ORGANIZED • Keep separate groups for home, trips and other shared costs. • Search expenses by description or filter by who paid. • Archive a group when you no longer need it in your active list. • Use Splitright on iPhone and iPad. NO SIGN-UP — SHARE THE CODE WITH CARE There are no accounts to create. Shared group details are stored online, and anyone with the group's code can access that group. Only share it with people you trust. Questions? Visit getsplitright.com.

A cheap stock and a good business are not the same thing. Dipply tells you which one you are looking at. Every company gets a quality score from 0 to 100, built from its profitability, its cash generation, and its debt — and ranked against the companies it actually competes with, not against the market as a whole. An energy company and a software company top very different ladders, so Dipply scores them on their own. Banks, insurers and REITs are left unscored rather than judged by a rubric written for operating businesses. THREE QUESTIONS, THREE SCREENS * QUALITY — Is this a business worth owning? Margins, cash flow, and leverage, scored against its industry, with plain-language flags for the things that should give you pause: a dividend larger than the cash flow behind it, years of negative free cash flow, debt that the balance sheet cannot carry. The card names the industry it was ranked against and the year of the filings it read, and says when the same company looks different measured against the whole market. * VALUATION — Is it cheap right now? The multiples that matter, each one explained on tap, measured against the company's own history rather than a rule of thumb — and the price read against what the company is expected to earn next, not only what it already earned. * TIMING — Has it actually dipped? The Dip Score, a 0-100 reading of how far a stock is trading below its own trend, with a heads-up when an earnings report is days away or has just landed. WHAT ELSE IS IN HERE * ALERTS — Dipply checks after the market closes and tells you when a stock has dipped, so a dip does not depend on you remembering to look. Alerts on market-wide dips are free. Premium adds the stocks on your own watchlist, at a level you set. Tap an alert and it opens the stock it names. * TODAY'S DIPS AND SPIKES — The stocks that moved, with the business behind each move named, and filterable down to the ones that pass on quality. * WATCHLIST — Keep the companies you are following in one place, with their scores. * FINANCIALS — Revenue, earnings, cash flow, dividends, and share count, charted over the years, so you can see the direction rather than one quarter's headline. * SEARCH — Any listed company, in a couple of taps. DIPPLY PREMIUM The free version gives you the full analysis on any company you look up. Premium adds an unlimited watchlist, alerts on the stocks in it, the complete dip and spike lists rather than the first ten, quality filtering on both lists, and removes ads. Dipply is a research tool, not an advisor. Nothing in the app is investment advice, and a score is a starting point for your own work rather than a substitute for it. * Apple Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ *