Splitrate vs CroSum

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.

CroSum is a budgeting app for people who'd rather plan their money by hand than hand an app their bank login. No bank connection. No ads. No tracking. You enter what you earn and spend, and it stays on your device — CroSum is built to collect nothing about you. WHAT YOU CAN DO • Budgets with carry-over — set a monthly amount per category, and choose whether an overspend (or a surplus) rolls into next month • Safe to Spend — a calm, at-a-glance number for what's actually safe to spend this week, aware of your real cash, not just your budgets • Loans & debt — track balances, interest and payoff dates, and see the total left to pay • Savings goals — set targets and watch them get closer • Monthly overview & reports — where your money went, and what's left for the unexpected • Reminders — gentle nudges so nothing slips • Your payday, your month — start your month on the day you get paid, not the 1st • Home-screen widgets — your budget and Safe to Spend, a glance away • iCloud sync (Premium) — backed up and in sync across your devices, in your own iCloud • 10 languages PRIVATE BY DESIGN No account. No login. Nothing to sign up for and nothing to leak. Your finances live on your device (and your own iCloud if you turn sync on). PREMIUM CroSum is free to use. Premium unlocks unlimited loans and savings goals plus the full reports and planner, with a 14-day free trial: • Monthly — €3.99 • Yearly — €35.99 Payment is charged to your Apple Account. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Manage or cancel in your Apple Account settings. Terms: https://crosum.app/terms.html Privacy: https://crosum.app/privacy.html