Owed.today vs Kite

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.

Kite budgets the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own pay period, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • A Home Screen widget. What's left this period and your next bills, without opening the app. With the app lock on, it shows no amounts. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the cheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE YOUR BANK'S APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY • No account. Nothing to sign up for. • No bank connection. Nothing to link. • No analytics, no ads, no tracking. • Kite makes no network requests at all. Your budget never leaves the phone. • Optional unlock with Face ID, Touch ID or your passcode. • Backups are yours: save a file, keep it where you like, restore it when you change phones. Kite is not financial advice. It is a place to see your own numbers clearly.