DebitTracker vs CalcOwlator

DebitTracker helps you track every debt, bill, and installment plan in one simple place — so nothing catches you off guard. TRACK WHAT YOU OWE See your total debt, paid amounts, and remaining balance at a glance. Track loans, credit cards, subscriptions, and any recurring bill. SPLIT BILLS INTO INSTALLMENTS Break any debt into installments and let DebitTracker automatically track your progress as you pay each one off. NEVER MISS A DUE DATE Get local reminders before every payment is due — choose how many days in advance you want to be notified. SEE YOUR SPENDING AT A GLANCE Visual dashboards break down your debts by due date and category, so you always know where your money is going. GET AI PAYOFF ADVICE On-device AI analyzes your debts and suggests a smart payoff strategy — private, personalized, and never sent to a server. SHARE DEBTS WITH YOUR HOUSEHOLD Invite family members to share and manage household bills together, so everyone stays on the same page. Simple, private, and built to help you stay in control of your money — one debt at a time. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

CalcOwlator is a calculator that keeps its work. Write a list, give each line an amount, and the totals keep themselves right: section by section, month after month. TYPE IT LIKE A NOTE • "rent 1400", "3 coffees 5", "salary 4.2k". Each line becomes a row as you type. • Paste a whole list from Notes or a chat in one go. • Sections and section totals with a colon or an equals sign. SCAN INSTEAD OF TYPING • Point your camera at a receipt: the store, the date and every item come in, checked against the printed total. • With Pro, items are sorted into your sections as separate rows, and CalcOwlator learns where you put things. • Scan a bill to set its amount and due date, so you're reminded before it's due. • Barcodes remember their name and price after the first scan. Payment QR codes fill in who you paid. • Everything is read on your iPhone. Nothing is uploaded. TOTALS YOU CAN TRUST • Tap a total to see exactly how it was worked out. • Use one row in another: "Left over" is income minus bills, and stays right when either changes. • Exact decimal maths, so 1,977.075 rounds the way it should. BUDGETS THAT CARRY ON • Start next month from the list's menu, with what's left carried over. • Spending limits per section, due days with reminders, and ticks that mean paid, in the basket or done. • 14 templates: monthly and twice-a-month budgets, bills and subscriptions, groceries, a weekly allowance, a small shop, events, trips, savings goals, instalments and card payoff. Sample amounts follow your currency. • Linked templates where lists feed each other, like a budget that saves for a goal, or money sent home that lands in the family's budget. • A guide with a how-to for each task, and a list to try it on. YOUR ACCOUNTS, IN THE SAME PLACE • Cash, banks, e-wallets, credit cards and pay later, with bank lists for North America, the UK, Australia, Asia, the Middle East and the Philippines. • Say which account each row comes out of; balances follow what you tick. • Credit card statements, what's left to pay by the due date, and a reminder with a Mark paid button. AT A GLANCE • Widgets for your budget's total, what's due soon and how far a goal has come. • Export a list as a PDF, a picture for a chat, or a spreadsheet (CSV). • Face ID lock, and amounts hidden in the app switcher and widgets while it's on. CALCOWLATOR PRO Free includes 5 lists and nearly everything above. Pro adds unlimited lists and links between them, iCloud sync across your devices, the dashboard and month-by-month history, receipts split into separate rows, accounts in other currencies, and live account balances in your formulas. Pro is a monthly or yearly subscription (the yearly plan starts with a free week) or a one-time purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period, in Settings › Apple Account › Subscriptions. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: CalcOwlator collects no data. Your lists stay on your iPhone, and in your own iCloud if you turn on sync.