Owed.today vs Work & Pay
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
Owed.today
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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.
Work & Pay
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Know what your work hours are really worth. Work & Pay brings time tracking, shift planning, and earnings calculations together in one app. Track hours, breaks, and tips across multiple jobs, organize your schedule, and create invoices from completed shifts. Whether you work part-time, pick up restaurant shifts, work in retail, or freelance, keep your hours and earnings organized without creating an account. TRACK YOUR HOURS AND PAY ⢠Manage multiple jobs with separate hourly rates and currencies. ⢠Log shifts manually, including overnight shifts. ⢠Apply different hourly rates within the same shift. ⢠Record paid and unpaid breaks, tips, and notes. ⢠See your work hours, calculated earnings, and average hourly pay. ⢠Keep earnings in different currencies separate. PLAN YOUR SHIFTS ⢠Schedule individual shifts or repeat them every week, every two weeks, or every four weeks. ⢠View past and upcoming shifts in your calendar. ⢠Sync your shifts with Apple Calendar. ⢠Set reminders before shifts start and after they end. ⢠Compare weeks and months, and set pay periods for each job. ⢠Keep scheduled shifts separate from earnings already worked. TURN COMPLETED WORK INTO INVOICES ⢠Create invoices from completed shifts or add custom line items. ⢠Save your business and client details. ⢠Set payment terms, tax settings, and payment instructions. ⢠Create drafts and numbered invoices in English or German. ⢠Choose US Letter or A4 documents. ⢠Track unpaid and paid invoices, and issue credit memos when needed. ⢠Export and share invoice PDFs with Premium. GET MORE INSIGHT WITH PREMIUM Which job earns you the most for the time you invest? Compare jobs and shifts, factor in travel time and expenses you enter, and explore trends in your hours and earnings. Set monthly earnings goals, review earnings forecasts, and look back on your week to make more informed scheduling decisions. KEEP YOUR DEVICES IN SYNC Automatically sync jobs, shifts, invoices, and settings through your private iCloud storage across devices using the same Apple Account. Make Work & Pay fit your routine with appearance options, your preferred first day of the week, time and duration formats, and a default currency. Includes Dark Mode, adjustable text sizes, and VoiceOver support. START FOR FREE Time tracking, job management, shift planning, Apple Calendar sync, and essential earnings summaries are free. Creating, editing, and viewing invoices in the app is also free. Premium adds advanced insights, goals and forecasts, travel time and expense tracking, and invoice PDF export. Earnings are estimates based on your entries, before taxes and payroll deductions. Earnings after expenses subtract only the costs you enter and do not represent take-home pay. Overtime and holiday premiums are not calculated automatically; enter applicable rates yourself. Invoices are for billing services and are not employee pay stubs. __ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: Owed.today at every 5 days against Work & Pay's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Owed.today sells 3 in-app purchases, starting at $4.99 per month and Work & Pay sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Owed.today ships an update every 5 days, Work & Pay every 2 months. The most recent releases landed on October 31, 2026 and November 13, 2026 respectively.
| Parameter | Owed.today | Work & Pay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 5 days ā better | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone, iPad ā better |
| Requires iOS | 17.0 | 17.0 |
| Further details ā not scored | ||
| Size | 3 MB | 13 MB |
| Age rating | 4+ | 4+ |
| Developer | Jimmy Leimonitis | Gustav Gutsche |
In-app purchases
Owed.today
- Owed in Full, Monthly$4.991 Month
- Owed in Full, Yearly7 Days trial$24.991 Year
- Owed in Full, Lifetime$59.99
Work & Pay
- Premium Monthly$4.991 Month
- Premium Yearly$49.991 Year
- Premium Lifetime$47.99









