Step+wise vs Halfsie

Most teachers hear “your benefits are great,” but rarely see what that actually means in dollars. Stepwise turns your inputs into clean projections and simple income estimates, so you can understand where you’re headed and what changes matter. What Stepwise does Retirement projection: See how your TDA balance could grow over time based on contributions and assumed returns. Pension estimator: Get a simplified TRS-style pension estimate using age, service credit, and salary assumptions. Monthly income view: Combine pension + TDA into a monthly retirement income estimate. Snapshots & tracking: Add statement snapshots to see performance and contributions over time. Built for teachers: Language and assumptions are designed around how NYC educators actually think about retirement. Important notes Stepwise is an educational planning tool — not financial advice. It uses simplified assumptions and may not match TRS calculations, taxes, healthcare costs, contract step changes, or distribution rules.

Split expenses without the awkwardness. Halfsie makes it easy to track shared costs with friends, roommates, and travel companions. SIMPLE EXPENSE SPLITTING Add expenses in seconds. Halfsie automatically calculates who owes what and shows you exactly how to settle up, no spreadsheets, no math, no drama. CHARACTERS, NOT SPREADSHEETS Create fun, customizable characters for everyone in your group. With over 10,000 combinations of shapes, colors, and expressions, expense tracking actually feels personal. VENMO INTEGRATION Settle up instantly with built-in Venmo links. One tap takes you directly to payment, pre-filled with the exact amount owed. WIDGETS FOR QUICK ACCESS Check balances from your Home Screen or Lock Screen. Add expenses without even opening the app using Siri, widgets, or Quick Actions. TRIP-READY Perfect for vacations, road trips, and weekend getaways. Track everything from gas to groceries to group dinners, then settle up before you even get home. ROOMMATE-FRIENDLY Split rent, utilities, and household expenses month after month. Archive old trips and keep your active house running smoothly. FREE FOREVER Unlimited groups, unlimited expenses, unlimited friends. The core features you need are always free. HALFSIE PRO Upgrade for power features: • Receipt scanning: Snap a photo and auto-extract the total • Trip statistics: See spending breakdowns by category and person • PDF & CSV export: Create expense reports for reimbursement PRIVACY FIRST Your data stays on your device. No account required. No ads. No selling your data. Privacy Policy: https://halfsie.app/apps/halfsie/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/