Schuldenschein vs Splitrate

Schuldenschein ist die einfache, sichere Lösung, um Schulden gemeinsam zu organisieren. Erstelle Gruppen, weise Beträge zu, setze Fälligkeiten und Zinsen, teile Einladungen per iCloud‑Link und erhalte dezent Erinnerungen – alles in einem klaren, modernen Design. Highlights: - Gruppen: Gemeinsame Übersichten mit “Ich schulde”, “Mir geschuldet”, “Gesamt” und Mitgliedern - Schulden hinzufügen: Betrag, Währung, Schuldner/Gläubiger, Gruppe, Kategorie, Beschreibung - Fälligkeit & Zinsen: Presets, Startdatum, optionaler Zinssatz - Erinnerungen: Deutsche Benachrichtigungen bei Fälligkeit/Überfälligkeit - Teilen & Beitreten: Schöne iCloud‑Einladungen, direkter Beitritt in die Gruppe - Diagramme & Verlauf: Entwicklung und Status (offen, bezahlt, storniert) im Blick - Kontakte: Schnell Personen finden und einladen - Datenschutz: iCloud‑Sync, lokale Speicherung, keine Drittanbieter‑Tracker - Geräte: Optimiert für iPhone & iPad; helles, klares Schwarz/Weiß/Grau‑Design Warum Schuldenschein? - Schnell: Schulden in Sekunden anlegen - Transparent: Klare Formulierungen (“X schuldet Y …”) - Zuverlässig: iCloud‑Synchronisation, Konfliktlösung per “Last‑Write‑Wins” -Unaufdringlich: Dezente, hilfreiche Benachrichtigungen

Fixed costs shouldn't be a headache. Splitrate makes managing your recurring expenses so simple and clear, you'll wonder how you ever managed without it. Whether you live alone, share your home with a partner, or split an apartment with roommates: Splitrate adapts to your life. Not the other way around. Your Fixed Costs. Always Under Control. Rent, utilities, internet, insurance, subscriptions: Set up your recurring expenses once and Splitrate takes care of the rest. Weekly, monthly, quarterly, or only in certain months. Even seasonal costs like winter heating can be mapped out. You can also set an end date, and the expense will automatically mark itself as complete. Plan Together. Split Your Way. When you share fixed costs with others, you have full control. Split by income so everyone contributes their fair share. Split equally when that works better for you. Or set custom percentages. Splitrate always shows who owes what to whom, making settling up effortless. With the settlement history, you can also keep track of past balances. Budgets for Variable Costs Besides fixed costs, you can also create budgets for things that vary each month. Groceries, dining out, or leisure activities. Set a monthly limit and always know how much you can still spend. When things get tight, Splitrate reminds you before you go over budget. Savings Goals You'll Actually Reach Whether it's a new phone, an emergency fund, or your dream trip: Set up savings goals and watch yourself get closer month by month. Splitrate calculates how much you should set aside each month and shows you when you'll likely reach your goal. At 25, 50, and 75 percent, the app celebrates with you. Stay on Top of Everything Your personal dashboard shows at a glance what's happening this month. Income, expenses, available money, and your fixed cost ratio. Swipe between months to see how your finances are developing. The insights show you with clear charts where your money goes and which categories cost the most. Widgets for a Quick Glance With the home screen widgets, you can see your financial situation without opening the app. Available money, budget status, or both together. Always With You Your data syncs automatically via iCloud across iPhone and iPad. Changes appear instantly, no matter which device you're using. Your Data Stays Yours Protect the app with Face ID or your device passcode. In privacy mode, you can hide amounts when someone is looking over your shoulder. Your financial data remains private and never leaves your devices. Search and Export Find any expense in seconds with the search. Export your data as CSV or JSON if you want to use it elsewhere. Please Note Splitrate is not a banking app and does not offer financial advice. The app simply helps you keep an organized overview of your finances: What goes out when, how much is left, and who owes what to whom.