Insurance Compass vs Debt Ruthless

Insurance Compass is a free, advisor-focused app designed to simplify the complex world of insurance. Whether you're an experienced advisor or just starting out, Insurance Compass gives you access to a powerful suite of calculators, guides, and business coaching tools—all in one place. Key Features: A full suite of calculators: final tax, marginal tax, probate fees, net worth, mortgage, inflation, and more Reference tools: Tax Talk Guide, Wills & Estates Law Guide, Underwriting Rating Guides Direct access to Advisor Talk podcast episodes and YouTube videos Access to curated content and insights to support your business Available in English and French (coming soon) Insurance Compass is more than a toolkit—it’s a mobile resource designed to support advisors with practical tools and timely insights, helping you deliver more value to your clients every day.

Debt Ruthless is the group expense tracker that doesn't sugarcoat. Whether you're splitting a Berlin trip, sharing a London flat, or running a birthday party — log every expense, see who owes whom, and settle up cleanly. WHO IT'S FOR Roommates, travel groups, families, party hosts, friends lending money. Anyone who's tired of chasing money or guessing what they're owed. WHAT YOU CAN DO • Create groups by type — Trip, Apartment, Party, Loan, Family — each with its own colour and category • Add expenses with custom splits: equal, percentage, or fixed amounts per person • Track loans separately with deadlines and partial repayments • Multi-currency — log expenses in EUR, GBP, USD, PLN and more • Settle debts via Venmo, Zelle, bank transfer, or any method you use — record settlements outside the app • Group chat for coordinating who's paying for what • Activity feed shows every change across your groups PRIVACY-FIRST Self-hosted backend in the EU. We don't sell your data. Receipt photos and avatars stored only as long as you keep them. GDPR-compliant by design. NOT A PAYMENT APP Debt Ruthless tracks balances and helps you coordinate. Actual payments happen outside the app — through your bank, Venmo, Zelle, or however you prefer. NO MERCY. ONLY FACTS. Money likes clear situations. So does this app.