Comparison

Olo vs Owed.today

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Olo

Features
Read full description

Olo is a modern personal finance tracker designed to help you stay in controlβ€”without the complexity. Track your money in seconds Add expenses and income quickly Choose categories for clean organization Add notes and dates for better clarity Recurring transactions Set recurring bills and subscriptions Keep your month consistent and predictable Clear insights See totals and balance at a glance Visual breakdown of spending by category Recent activity to stay on top of everything Privacy-first Your data stays yours. We don’t sell personal data. Olo is built to be fast, simple, and satisfying to useβ€”every day.

About

Owed.today

Features
Read full description

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 β€’ A rate for every day. Set weekend and overtime rates once; Owed applies them to every shift automatically. β€’ Multiple jobs, kept straight. Hours and overtime are counted per job, never mixed, so each payslip reconciles on its own. β€’ Overnight shifts, automatically. A shift that crosses midnight splits and prices correctly, including a different rate on the far side. β€’ Weekly, fortnightly or four-weekly. Set how you're paid once, and every total groups the way your payslip does. β€’ The payday compare. Your number beside your payslip's, to the cent. Scan the payslip or type the figure in. β€’ Owed shows its working. Every shift split into its segments: the hours, the rate, the overtime, what each part earned. β€’ Payday reminder. A quiet nudge the morning after your pay period closes, so the compare is waiting when your payslip lands. β€’ 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.

Screenshots

Olo4 screens
Owed.today4 screens

Verdict

The call

The clearest difference is in-app purchases: Olo at none against Owed.today's 3. Olo also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Owed.today's advantage is update cadence (every 5 days vs every 5 months). On price and ads there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Owed.today sells 3 in-app purchases, starting at $4.99 per month. Olo asks for nothing beyond the download.

UpkeepUpdate frequency

Olo ships an update every 5 months, Owed.today every 5 days. Both last shipped on October 31, 2026.

Scorecard4 real differences Β· 2 level
Olo versus Owed.today: the parameters behind the verdict, then further details
ParameterOloOwed.today
PriceFreeFree
Update frequencyEvery 5 monthsEvery 5 days β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, iPod β€” betteriPhone
Requires iOS15.0 β€” better17.0
Further details β€” not scored
Size31 MB3 MB
Age rating4+4+
DeveloperStudio Apollosens Inc.Jimmy Leimonitis

In-app purchases

None

Olo

No in-app purchases

3 purchases

Owed.today

Subscriptions2
  • Owed in Full, Monthly$4.991 Month
  • Owed in Full, Yearly7 Days trial$24.991 Year
One-time1
  • Owed in Full, Lifetime$59.99

Questions

Is Olo free?
Olo is free to download, with no in-app purchases.
Is Owed.today free?
Owed.today is free to download, with in-app purchases available.
Do Olo or Owed.today have ads?
Neither Olo nor Owed.today shows ads.
Which is updated more often, Olo or Owed.today?
Olo ships an update every 5 months, and Owed.today every 5 days. Most recently, Olo was updated on October 31, 2026 and Owed.today on October 31, 2026.

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