NetBudget vs OweMe

How much money do you really have left at the end of the month? NETbudget calculates your remaining budget in just a few minutes and tells you exactly where to take action. Based on the universal 50/30/20 rule (Elizabeth Warren), it categorizes your expenses into essentials, lifestyle, and savings, projects your next 12 months, and provides 23 personalized recommendations. Everything runs 100% on your phone — no account, no cloud, no ads. YOUR INCOME • Multiple income sources supported: salary, freelance, rental income, dividends… • Automatic gross-to-net conversion based on your status (employee, executive, public sector, self-employed) with editable tax rates • Annual / monthly / one-time payments (bonus, 13th month salary, dividends) YOUR LOANS • Monthly payment automatically calculated from loan amount, rate, and duration • Or manually enter the amount if you already know it YOUR EXPENSES (50/30/20 RULE) • Three clear categories: Essentials, Lifestyle, Savings • Pre-filled lists (groceries, transport, savings accounts, investments, life insurance…) fully customizable WORLDWIDE SUPPORT • Full support for 8 languages: French, English, Spanish, Portuguese, German, Italian, Arabic, Japanese • 558 cities across 59 countries with cost-of-living indexes • 15 currencies (€,$,£,¥,CHF,BRL,INR,CFA franc…) • Real-time currency converter with history PERSONALIZED INSIGHTS • 23 recommendation cards based on your real financial situation • Trusted thresholds: 50/30/20 rule, 35% debt ratio, rent ≤ 1/3 of net income, emergency fund, investor profile • Fully translated into all supported languages CLEAR VISUALIZATION • Donut chart of your monthly expenses • 12-month projection, detailed tables, yearly totals • Clean PDF export in your language PRIVACY FIRST • 100% offline (except exchange rates, updated every 6 hours) • No data leaves your phone • No account, no tracking, no advertising Designed in France. Download NETbudget and take control of your finances in just 5 minutes.

Because people forget. OweMe remembers. Lending money or physical items to friends and family should be stress-free. Whether you are splitting a dinner bill, lending cash for an emergency, or borrowing a camera or shoes, OweMe brings 100% transparency, trust, and peace of mind to social finance. No more awkward text messages, forgotten debts, or lost items. OweMe lets you create digital loan agreements with electronic signatures, track real-time repayment schedules, and build your personal Friend Trust Score. --- KEY FEATURES LEND & BORROW WITH ABSOLUTE TRANSPARENCY • Easily record cash loans or borrowed physical items in seconds. • Both parties review and agree before any loan is activated. • Clear repayment dates, custom installment plans, and automatic balance updates. LEGALLY BINDING DIGITAL AGREEMENTS • Generate clean digital loan agreements complete with full signatures. • Legal transparency ensures both lender and borrower are always on the same page. • Clear terms eliminate misunderstandings and protect personal relationships. FRIEND TRUST SCORE & FINANCIAL REPUTATION • Build a verified Friend Trust Score (0 - 100) based on your repayment reliability. • Track your percentage repayment rate, completed loans, and score trends over time. • Show friends you are dependable and boost your reputation across your social circle. MONEY & PHYSICAL ITEM TRACKING • Not just cash! Track physical items lent to friends (electronics, fashion, tools, books). • Confirm when items are handed over and returned safely. • Photos and item notes keep track of condition and return expectations. BUILT-IN CHAT & FRIENDLY REMINDERS • Send polite, one-tap reminders when a payment date is approaching. • Chat directly within the app about active loans without switching messaging apps. • Keeps conversations focused, polite, and organized. EASY REPAYMENTS & SECURE CHECKOUT • Settle balances securely using integrated payment options. • Track partial payments, full settlements, and early repayments with instant receipts. BANK-GRADE SECURITY & PRIVACY • Keep your financial records private with FaceID / Biometric authentication. • Encrypted data transmission ensures your personal financial data remains safe. --- WHY USE OWEME? • No More Awkward Conversations: Automated reminders take the discomfort out of asking to be paid back. • Protect Relationships: Transparency prevents financial misunderstandings between close friends and family. • Complete History: Full activity logs and transaction receipts give you total clarity on your financial habits. --- Download OweMe today and experience stress-free social lending! Because people forget. OweMe remembers.