IOU vs SpendPulse

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/

SpendPulse helps you see the pattern behind your numbers — not just what you spent, but why, when, and how you felt about it. Banks show you transactions. SpendPulse shows you the story. KEY FEATURES • Mood × Spending — Tag each purchase with a mood (one tap), then watch the patterns emerge: stress shopping, celebration splurges, tired-day cafe runs. • 100% On-Device AI — Your financial data never leaves your iPhone. Powered by Apple Intelligence (iOS 26+) with a smart fallback for earlier versions. • Weekly Pulse — Every week, an AI-generated report shows your top patterns: which category took most of your spending, which mood drove the biggest purchases, what time of day you spent the most. • No Guilt UX — We don't call your spending "bad." We just show what's happening, so you decide. • Savings Goals with AI ETA — Set a goal, log savings, and we predict when you'll hit it based on your actual pace. • Subscription Audit — We automatically detect recurring charges and flag possible duplicates (paying for two music apps?). • Beautiful Charts — Daily trend bars, category donut, mood × weekday heatmap. Designed for clarity, not clutter. • Built for iPhone — Optional Face ID lock for privacy. Siri shortcuts for "How much did I spend today?" Widgets coming soon. WHO IT'S FOR The conscious spender: you make decent money but feel like it disappears. You've tried budget apps — they made you feel bad. You don't need rules, you need awareness. PRO FEATURES Upgrade to Pro for $6.99/month or $49.99/year (40% off) — try free for 7 days: • Full Weekly Pulse AI reports • Mood × Spending deep analysis • Time-of-day & day-of-week patterns • Unlimited savings goals with AI ETA • Subscription audit & duplicate detection • CSV export PRIVACY-FIRST We don't connect to your bank. We don't sell data. We don't even have servers. Everything happens on your iPhone, in your control. Terms of Use (EULA): https://jimmypark1.github.io/spendpulse-web/terms.html Privacy Policy: https://jimmypark1.github.io/spendpulse-web/privacy.html