Bountisphere vs Owed.today

Stop guessing. Start knowing. You use a calendar to plan your time — why not your money? Bountisphere is the budget planner and visual money calendar that forecasts your cash flow, so you always know the one thing that matters: "Am I okay next week, next month, even next year?" Most budgeting apps are just a scoreboard for the past — telling you where you already overspent. But looking backward doesn't ease your anxiety about tomorrow. You don't need another spending tracker. You need a forward-looking plan. Bountisphere projects your running bank balance up to 2 years into the future. Spot tight spots before they happen, time your bills with confidence, and know exactly how much breathing room you have today. Built for everyday people tired of paycheck-to-paycheck stress, Bountisphere brings clarity, confidence, and peace of mind back to your finances. WHY SWITCH TO A MONEY CALENDAR? • Plan Your Money, Don’t Just Track It: See your projected bank balance day by day based on your upcoming bills, paychecks, and goals. No more doing mental math on payday. • The Daily Check-In: Stop logging into multiple bank apps. See your complete financial picture in one view, check your breathing room in seconds, and get on with your day. • End "Bill Timing" Anxiety: You make enough money, but the timing is tight. See the visual gaps between paychecks and bills so you can adjust before a due date arrives. POWERFUL CORE FEATURES: • Secure Bank Sync OR Manual Entry: Connect your checking, savings, and credit cards securely with bank-level encryption. Prefer to manage things yourself? Easily add manual accounts for unlinked loans, mortgages, or cash. • Excel & CSV Import: Bring your history or offline accounts with you effortlessly with seamless spreadsheet imports. • Visual Debt & Payoff Simulators: Compare the Debt Snowball vs. Debt Avalanche methods using your real numbers, and see how an extra $50 a month shaves years off your debt. • AI Money Coach: Your private, compassionate guide — grounded in your real transactions and trusted economic benchmarks for practical, judgment-free answers. You can even personalize Coach with your own chosen name. • Effortless Matching: When bills clear your bank, Bountisphere suggests the match so you can confirm it with a single tap. • Shared Profiles: Manage household finances together. Keep personal, family, or business profiles organized and private. • Money Mastery: Build lasting financial confidence with daily bite-sized insights and habits. Download Bountisphere today. Plan your money. Reach your goals. TRY BOUNTISPHERE FREE Download today and get 7 days of instant access — no credit card required to start. After your trial, continue forecasting your future for just $7/month or $70/year. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.