Kozeni vs Owed.today

Kozeni is a private expense and income tracker. Log what you spend, see where it goes, and keep a budget. No subscription, no account, no ads. LOG IN A FEW TAPS Add a transaction with a clean keypad. Give it a category, a note if you want, and move on. Notes you've used before come up as suggestions. Income works the same way, so both sides of your money live in one place. RECURRING ENTRIES Mark rent, a paycheck, or a subscription as daily, weekly, every two weeks, or monthly, and it adds itself when it's due. Overview shows what's coming up in the next 7 days, and Settings lists every recurring item so you can stop one whenever you like. AUTOMATIC WITH SHORTCUTS Set up a Shortcuts automation and Apple Pay purchases land in Kozeni as you make them. Smart category files each one with past entries that share its note, and with Apple Intelligence it can pick a category for a note it hasn't seen. You can also log a transaction or start a new entry from Siri and Shortcuts. SEARCH Find any entry by its note or amount, then narrow it down by type, category, or date. Kozeni adds up what the results spent and earned. INSIGHTS Charts break down spending and income by week, month, or year, and by category. Tap any point or bar to jump to the transactions behind it. On devices with Apple Intelligence, Kozeni writes a few plain-English observations about each period. They are generated on your iPhone or iPad, not sent to a server. BUDGETS Set a weekly, monthly, or yearly budget for any category, or one that covers everything. Kozeni shows how much you have used and how much you have left, and points out the budgets that are close to or over their limit. CATEGORIES Make your own categories with an icon and a color. Entries without one wait in a list of their own, ready to sort. REMINDERS Get a daily nudge to log your spending at a time you choose, and a heads-up when a recurring item is due. RECENTLY DELETED Deleted entries stay for 7 days, so you can swipe to bring one back. PRIVATE BY DEFAULT Your data stays on your devices and can sync with iCloud. There is no Kozeni account and no third-party server. Export your transactions, categories, and budgets as CSV whenever you want, and import them back or bring in a file from another app. WIDGETS Small and medium Home Screen widgets show your net, income, or expenses for the week, month, or year, without opening the app. IPHONE AND IPAD Kozeni works on iPhone and iPad, upright or on its side. ONE PURCHASE, NO SUBSCRIPTION Kozeni is free to download, with no ads and no account. Everything above is free for everyone. Kozeni Pro is a single purchase that unlocks every color in Theme: all 15 accent colors, four more palettes for income, expenses, and budget status, and any hue for the glow at the top in dark mode. With Family Sharing, up to five family members get it too.

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.