BuddySplit vs Owed.today

HOW BUDDYSPLIT WORKS CREATE GROUPS IN SECONDS Set up a group for any shared expense scenario. Choose a name, select a category (Trip, Event, House, Utility, or Other), pick your currency, and add a custom photo. Whether it's a weekend getaway, monthly rent, or a dinner party, get started in seconds. INVITE MEMBERS YOUR WAY Share your group using a secure 6-digit code, QR code scan, or shareable deep link. Members join instantly and all expenses sync in real-time. You can even add placeholder members for people who haven't joined yet - they'll automatically inherit their expenses when they sign up with the same email. ADD EXPENSES WITH FLEXIBILITY Record who paid and choose how to split the cost with four powerful splitting methods: - Equal Split - Divide evenly among selected members - Unequal Split - Set custom dollar amounts for each person - Percentage Split - Allocate by percentage (e.g., 60/40) - Share Split - Divide by ratios (e.g., 2:1:1 shares) AUTOMATIC BALANCE CALCULATION BuddySplit continuously calculates who owes what using smart debt optimization algorithms. Instead of tracking every individual transaction, our system simplifies debts to minimize the number of payments needed. View balances at a glance with clear debtor/creditor relationships and real-time updates. TRACK SPENDING & ANALYTICS Access comprehensive spending insights with member-specific breakdowns. View total group spending, see what you've paid versus your share, analyze individual contributions, and filter by time periods (All Time, Monthly, or custom ranges). The Member Balance Dashboard shows exactly where everyone stands financially. RECORD PAYMENTS & SETTLE UP When someone pays their share, record it with payment method, date, and optional notes. BuddySplit includes smart overpayment warnings to prevent mistakes and lets you edit or delete payment history if needed. Watch balances update automatically as debts are settled.

Know what you're owed. Log a shift and Owed prices it to the cent, overtime included. Built for pay that changes by day and job: weekend rates, two employers, overnights that cross midnight. On payday, compare your number with your payslip's. No spreadsheet, no guessing. WHAT OWED DOES • A rate for every day. Set weekend and overtime rates once; Owed applies them to every shift automatically. • Multiple jobs, kept straight. Hours and overtime are counted per job, never mixed, so each payslip reconciles on its own. • Overnight shifts, automatically. A shift that crosses midnight splits and prices correctly, including a different rate on the far side. • Weekly, fortnightly or four-weekly. Set how you're paid once, and every total groups the way your payslip does. • The payday compare. Your number beside your payslip's, to the cent. Scan the payslip or type the figure in. • Owed shows its working. Every shift split into its segments: the hours, the rate, the overtime, what each part earned. • Payday reminder. A quiet nudge the morning after your pay period closes, so the compare is waiting when your payslip lands. • Pay history and your pay record (Owed in Full). Your pattern period by period, and a PDF or CSV of any period to keep or to send. YOUR DATA IS YOURS No account, no sign-up. Your shifts stay on your phone and sync through your own iCloud. No one else gets a copy. FREE TO USE, MORE IF YOU WANT IT The ledger, every rate, the payslip scan and the payday compare are free. Owed in Full unlocks your pay history and your pay record: monthly, yearly, or one payment that's yours for good. Your choice. Owed in Full is a subscription (monthly or yearly, with a free trial on the year) or a single lifetime purchase. Subscriptions renew until you cancel in your App Store settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Owed is a personal record based on the figures you enter, not legal or financial advice, and not an official pay record.