Refinance Calculator vs Splitflow

See your savings instantly before your refinance. RateShift helps you compare loan rates and payments so you can make better decisions with confidence. Use RateShift to: • Compare interest rates and monthly payments • Explore loan terms and scenarios • Save and compare scenarios side-by-side • See how rate changes impact your total cost RateShift is designed for individuals who want clarity when evaluating loans and financing options. The app provides calculation and comparison tools only and does not offer financial advice or recommendations. Premium Access RateShift offers an optional one-time, non-consumable in-app purchase to unlock premium features. • Payment is charged once to your Apple ID • No subscriptions or recurring charges • Purchase can be restored on supported devices Terms of Use: https://sites.google.com/view/rateshift/terms-of-use Privacy Policy: https://sites.google.com/view/rateshift/privacy-policy

Splitflow - Shared expenses, made simple Splitflow helps you manage shared expenses in a clear, calm, and human way. Whether you’re tracking costs on your own, as a couple, with roommates, or while traveling, Splitflow adapts to how people actually share money. No stress, no awkward conversations - just clarity. Groups designed for real life Splitflow is built around groups, each one designed for a specific context: Solo – track personal expenses in a private space Couple – split daily expenses with a soft, balanced view Home / Roommates – manage rent, bills, and shared costs Travel – keep trips organized and fair Projects & events – manage budgets for specific goals Each group is independent, flexible, and easy to understand at a glance. ______ Made for couples Splitflow includes features specifically designed for couples: Default or custom split rules Clear balances without pressure A neutral, non-judgmental design that reduces friction Money stays visible, not stressful. ______ Automatic & custom categories Expenses are organized with automatic categories You can also create custom categories to fit your habits Visual summaries help you understand where money goes, not just how much Less numbers, more insight. ______ Widgets that keep you on track Stay in control without opening the app: Home Screen widgets for quick expense overviews Helpful for individuals and shared groups Always up to date, always clear ______ Offline-first & private by design Use Splitflow without an account: data stays only on your device Sign in with Apple to sync securely via iCloud / CloudKit No ads, no tracking, no data sold to third parties Your data stays yours. ______ Why Splitflow? Simple and fast to use Designed to reduce tension, not create it Clear balances, calm design, real understanding Splitflow helps people share expenses — without sharing stress. ______ Privacy Policy: Splitflow does not share user data with third parties; users can delete their data at any time, and Apple account sign-in enables secure syncing across devices and users. ______ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/