OweNo vs Marlo

OweNo makes splitting expenses with friends, family, and travel groups effortless — so you can focus on the fun, not the spreadsheets. SPLIT ANY WAY YOU LIKE Add expenses in seconds. Split equally or customise amounts per person. Scan a receipt with your camera to pre-fill the details automatically. Multi-currency support with live exchange rates means travelling together is never complicated. KNOW EXACTLY WHERE YOU STAND OweNo's smart debt simplification algorithm minimises the number of payments needed to settle a group. Your balances always float to the top, so you can see at a glance who owes what — and settle with a single tap. MADE FOR GROUPS Create groups for dinners, holidays, flatmates or family. Organise members into family sub-groups, pin your most active groups, and use Travel Groups for trip-specific planning — including a built-in itinerary tab. CROSS-GROUP OVERVIEW See all your outstanding balances across every group in one place, converted to a single currency with live exchange rates. One net figure tells you exactly where you stand across your entire social circle. STAY IN THE LOOP Push notifications keep everyone informed the moment an expense is added, edited, or settled — without spamming the person who made the change. PRIVACY & SECURITY Sign in with Google or Apple. Your data stays yours. Deactivate your account at any time and reactivate whenever you're ready, with all your history intact. OTHER FEATURES - Receipt scanner (OCR) to pre-fill amounts automatically - Activity log with filters for every group - QR code invites — share a link or scan to join - Spending charts and category breakdowns - Archive groups you're done with, restore them anytime - Community feedback — share ideas, report issues, vote on features

Know exactly what's safe to spend — before you spend it. Marlo does one honest calculation: your income, minus fixed costs, minus your budgets, minus what you're saving. What's left is your Safe to Spend — the money you can enjoy right now, guilt-free. No spreadsheets. No shame. Just a clear number. Most budgeting apps tell you what you spent. Marlo tells you what you can spend. That's the difference between anxiety and permission. SAFE TO SPEND, FRONT AND CENTER Open the app and the first thing you see is one big number: what's genuinely free to spend this month. It updates live as you log. Green means go. In the red? The app sits with you — it never scolds. BUDGETS THAT MAKE SENSE Give any category a monthly budget and watch a simple, colorful card fill up as you spend. Rent, groceries, coffee — see where you stand at a glance. SAVINGS JARS FOR THE THINGS YOU WANT Name a goal, give it a target, and add money whenever you can. Set a monthly amount and Marlo shows you the exact date you'll hit it. A trip, a home, a safety net — turn a dream into a plan. SET IT AND FORGET IT Add your paycheck and fixed bills once as recurring items. Your Safe to Spend works from day one — no re-entering the same numbers every month. A GENTLE DAILY NUDGE One optional reminder a day. Ten seconds to log keeps your number honest. That's the whole habit. PRIVATE BY DESIGN Everything lives on your device. No account, no sign-up, no cloud. Your money is nobody's business but yours. — FREE FOREVER — Logging is never capped. The free plan includes: • Unlimited transaction logging • Your live Safe to Spend • Recurring income & bills • 2 category budgets • 1 savings goal • Daily reminder — MARLO PRO — Upgrade when you want more room: • Stats: spending trends, month-over-month, kept-rate, weekly review, and your full category breakdown • Browse any past month • Unlimited category budgets • Unlimited savings goals • Create your own custom categories • Custom themes, colors & icons • Export all your transactions to CSV • Every future Pro feature Pro pricing: • Monthly plan • Annual plan (best value) Spend wisely, not blindly. Marlo is the calm, honest money app that shows you what's really yours to enjoy. — Subscription details: Marlo Pro is an auto-renewable subscription. Payment is charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions in your App Store account settings after purchase. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription. Privacy Policy: linked in-app (Settings › Legal) Terms of Use: linked in-app (Settings › Legal) Support: contact@theanicca.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/