IOU vs R3ALITY

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/

R3ALITY keeps receipts, warranties, returns, and spending in one place — so nothing important gets lost. Available in English, German, Polish, and Russian. WHAT YOU CAN DO • Scan or upload receipts (photo or PDF) • Automatic extraction of merchant, date, amount, and line items • Warranty and return deadlines with reminders • Budget overview by category and time period • Search and filter your receipt history • Secure sign-in and encrypted sync FREE TO START Every account includes a free plan with up to 5 receipts every 30 days — no credit card required. PREMIUM PLANS (optional) Need more capacity? Subscribe in the app: • 30 receipts per month • 60 receipts per month • Unlimited receipts Monthly and annual billing are available. Subscriptions renew automatically until you cancel in your Apple ID account settings. Upgrades take effect immediately; unused time on your current plan may be refunded by Apple according to App Store policy. PRIVACY & SECURITY Your data is encrypted in transit and at rest. Sign-in protects access to your account. Privacy policy: https://r3ality.app/en/privacy.html Terms of Use: https://r3ality.app/en/terms Subscriptions and upgrades are handled securely through the official App Store billing system.