FLO vs IOU

FLO is the all-in-one finance tracker for freelancers, side-hustlers, and small business owners. Track every dollar, claim every mile, and hand your CPA a tidy tax package — all from your phone or Mac. WHAT FLO DOES Track transactions across personal AND business accounts in one place. FLO automatically separates business income and deductions so you're tax-ready year-round. KEY FEATURES • Smart receipt scanner — point your camera at a receipt and FLO extracts merchant, amount, date, tax, and tip automatically. Works for receipts, bills, and invoices. • Mileage tracking — automatic GPS-based business mileage logging with IRS rate calculation. Classify trips with one tap. Bulk-clear unreviewed trips. Built for the 2026 IRS rate of $0.725/mi. • Tax-ready reporting — Schedule C, Form 1065, Schedule F, Schedule E line mapping. Export to Lacerte CSV or generic CSV for any tax prep software. • Business entity support — track multiple LLCs, partnerships, or sole proprietorships. K-1 partner allocations, basis tracking, MACRS depreciation, multi-year carryforwards. • Cash flow forecasting — three-month forecast with danger zone alerts. • Plaid bank sync — connect 12,000+ banks (Premium and Pro) • Cloud sync with iCloud across iPhone, iPad, Mac, and Apple Watch • Invoicing — create, send, and track invoices. Cash flow updates the moment a client pays. • Debt payoff calculator — snowball vs avalanche scenarios • Budgets — category budgets with personalized insights • Apple Watch app + home screen widgets FREE TIER • Up to 50 transactions per month • Smart receipt scanner included • Manual mileage entry • Basic budgets and reports PREMIUM ($7.99/mo or $59.99/yr — limited launch pricing) • Unlimited transactions, receipts, accounts • Automatic GPS mileage tracking • Plaid bank sync • CSV bank statement import • Quarterly tax estimates • Personalized financial insights PRO ($12.99/mo or $99.99/yr) • Everything in Premium • Multi-entity tax preparation (LLCs, partnerships, Schedule C/F/E) • Partner basis tracking and K-1 allocations • MACRS depreciation schedules • Tax carryforward register • Year-end closing workflow • Filing checklist with deadlines per entity • Estimated tax dashboard with safe harbor calculations • NAICS code suggestions • Multi-year tax comparison • CPA handoff PDF + JSON export • Filing preparer checklist • Profit & loss reports PRIVACY FIRST FLO never sells your data. All financial data syncs through iCloud — Apple's encrypted infrastructure. No tracking, no ads, no data brokers. 7-DAY FREE TRIAL on Premium. Cancel anytime in Settings > Subscriptions. Terms: https://floptimizer.github.io/FLO/terms.html Privacy: https://floptimizer.github.io/FLO/privacy.html EULA: https://floptimizer.github.io/FLO/eula.html Built by Finch & Poppy Co LLC.

OweTracker is a simple personal debt tracker for money you lend, borrow, and owe — without spreadsheets or guesswork. Track rent, shared expenses, personal loans, IOUs, recurring bills, and everyday paybacks in one clear place. See what's owed, what's paid, what's coming next, and when it's time to settle up. Track personal debts with clarity Filter between money you owe and money owed to you with a single tap See totals, payment history, and remaining balances at a glance Save with confidence — the button tells you exactly what you're saving Add notes to keep context on every entry Built for recurring payments Track recurring charges like rent, phone bills, subscriptions, or ongoing loans Set charges to repeat weekly, every two weeks, or monthly Schedule future recurring charges before a balance is due See upcoming charges before they happen Stay organized even when payments change over time Record payments easily Log partial or full payments in seconds Watch balances update instantly Never lose track of who paid what Settle up clearly Create simple settle-up cards when it's time to close the loop Share clean payment summaries for rent, bills, loans, or everyday paybacks Help everyone see what was owed, what was paid, and what remains Made for wherever you are Works in 150+ currencies Available in 12 languages Private by design No ads No data selling Your financial tracking stays on your device Upgrade to Pro OweTracker includes a free version with basic tracking and settle-up cards. Upgrade to Pro to unlock: Unlimited debts Unlimited recurring charges Custom quick notes for faster entry Subscriptions help support continued development and keep OweTracker private and ad-free. If you've ever said "I'll remember later" — OweTracker is for you. Privacy Policy: https://sites.google.com/view/owetracker-privacy-policy/home Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/