Local Bill Tracker vs Owed.today

Know your exact "Safe to Spend" balance after every upcoming bill without ever surrendering your bank passwords or personal data. WHY LOCAL BILL TRACKER? Automated finance apps break constantly, scrape your bank credentials, and monetize your private spending habits. Local Bill Tracker is built for private, high-touch budgeting. By confirming your balances and tracking bills yourself, you stay fully connected to your numbers, catch hidden subscriptions, and regain real financial control. THE RUNWAY METHOD Stop guessing what you can actually afford. The Runway view automatically subtracts your scheduled bills and commitments from your current balance, showing you exactly what is safe to spend right now. KEY FEATURES • Real-Time Runway View: Instantly calculate your "Safe to Spend" cash balance across a rolling 30-day window. • 100% On-Device Privacy: No accounts, no trackers, and no external servers. Your data lives on your device and private iCloud. • Adaptive Calibration: Personalize dashboard calculations around your specific pay frequency and safety threshold margins. • Unified Income & Bills: Track paychecks, side-hustles, and recurring obligations in one synchronized timeline. • Tactile OLED Design: Premium high-contrast visual layout optimized for dark mode with satisfying haptic feedback. • Easy Import & Export: Parse bill details from your clipboard to onboard in seconds, or export your full history to JSON anytime. LOCAL BILL TRACKER PRO Unlock advanced financial tools with flexible Monthly, Yearly, or Lifetime options: • 30-Day Cash Runway Graph: Interactive balance projections with customizable safety threshold lines. • Biometric Shield: Lock your financial data behind Face ID or Touch ID. • Digital Receipt Attachments: Attach photos and screenshots of receipts directly to your bill records. Take back control of your financial privacy. Download Local Bill Tracker and see your true runway today! TERMS & PRIVACY • Terms of Use (EULA): https://localbilltracker.app/terms • Privacy Policy: https://localbilltracker.app/privacy-policy

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.