Kirvem vs Stubwise

Kirvem is a simple expense-sharing app for housemates and trip groups. It works out who owes whom with the fewest possible transfers. NO ACCOUNT NEEDED Everything is stored on your device and works offline. Sync is optional. FEATURES • Split equally or by ratio • Fewest-transfers settle-up plan • Personal WhatsApp reminders • Expense search and a spending-by-category chart • Households and trips, rotating chores • Light/dark theme and your choice of accent color • Invite friends with a WhatsApp link Kirvem does not move money; payments happen between you.

Stubwise checks whether your paycheck matches the hours you actually worked — built for anyone paid by the hour. WHY STUBWISE Overtime math is confusing, differentials get missed, and payroll mistakes happen more often than employers admit. Stubwise does the math the law actually requires, so you can catch it when something's off — before the money's gone. WHAT IT DOES • Clock in and out with one tap, or add a shift manually for the days you forgot • Set different rates for different shifts — night, weekend, or a different role at the same job • Track raises and promotions over time, so a mid-period raise is calculated correctly • Built-in overtime rules for federal law (FLSA) plus California, Alaska, Colorado, and Nevada — including California's daily overtime, double-time, and 7th-consecutive-day rules • A minimum-wage check against your state's rate • Compare your actual paycheck to what Stubwise calculated, and see exactly where the gap is • Optional reminders based on your usual weekly schedule, so you never forget to clock in or out YOUR DATA, BACKED UP AND YOURS Create a free account and Stubwise backs up your pay rate, shifts, and paycheck checks, so nothing is lost if you switch phones. No ads, no trackers, no data brokers, and we never sell or share your information. Delete your account and its backup permanently, any time, right from the app. SUBSCRIPTIONS (OPTIONAL) Two optional auto-renewing subscriptions unlock full paycheck checks and history: Stubwise Basic ($1.99/month) and Stubwise Complete ($8.99/month), billed monthly through your Apple ID. Payment is charged at confirmation of purchase, and the subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://stubwise.app/privacy.html NOT LEGAL ADVICE Stubwise is a calculator, not a certified payroll audit. Overtime and minimum-wage rules were checked against federal and state sources as of September 2026, but these numbers change — for an actual dispute with an employer, talk to your state labor department or an employment attorney. Built for hourly workers who are tired of guessing whether their paycheck is right.