Owed.today vs PennyPilot

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.

PennyPilot shows you where your money actually goes — what you own, what repeats every month, and where this month is heading — without an account, an ad, or a server holding your finances. SEE THE WHOLE PICTURE • Net worth across every account, with snapshots you can take and a history to look back on • A projection for the month, so you know where you land before you get there • Budgets by category, upcoming bills, and progress toward savings goals • A dashboard you can rearrange to put what matters to you at the top ALIGN EVERYTHING TO ONE CADENCE This is the part you won't find elsewhere. Re-express every recurring amount in a single cadence and compare things that were never comparable. See a quarterly insurance bill and a monthly subscription as what they each cost per paycheck. Daily, weekly, biweekly, twice a month, monthly, quarterly, semiannual and yearly are all supported. TRACK WHAT REPEATS • Salary, rent, subscriptions and bills post to your ledger automatically on schedule • Every row shows its real amount and its converted per-cadence figure side by side • Optional reminders before a bill is due • Spot subscriptions hiding in your spending, with a direct link to manage or cancel them SPLIT COSTS WITHOUT SHARING EVERYTHING Split an expense any way you like, invite a partner or housemate to a shared group, and see who owes what. Shared through iCloud, between you and the people you invite. Only that group is shared — your accounts, balances and everything else stay yours alone. UNDERSTAND YOUR SPENDING • Category breakdowns with a donut chart and ranked percentages • Net trend over time, and a forecast of the month ahead • The annualized weight of your fixed commitments, in one number • A calendar view of everything landing this month • On devices with Apple Intelligence, a plain-language read on your spending, generated entirely on your iPhone or iPad PRIVATE BECAUSE OF HOW IT IS BUILT • No account. You never sign up, and there is no password to lose • No ads, no analytics, no trackers, no third-party SDKs • Nothing is sent to us — there is no server on our end to send it to • Turn on iCloud Sync and your data goes to your own private iCloud, under your Apple Account, which we cannot read • Lock the app behind Face ID, hide every amount with one tap, and blur your finances in the app switcher • Erase everything from the device whenever you want BRING YOUR DATA IN AND OUT PennyPilot does not ask for your bank login, and does not use an aggregator — those route your credentials through someone else's servers. Instead, export a CSV statement from your bank and import it here. Columns are detected automatically and you review every row before it is saved. Export back out to CSV any time; nothing is locked in. ALSO INCLUDED • Home Screen widgets • Full iPad layout with a sidebar, not a stretched phone app • English and French • Built with SwiftUI and designed for Liquid Glass on iOS and iPadOS 26 PennyPilot is a tracking and budgeting tool. It does not provide financial, investment or tax advice.