Oweit vs SpendCents

Never forget who owes what, and keep your personal finances under control. OweiT is a simple and intuitive app for tracking debts, shared expenses, recurring payments, and personal accounting in one place. This version introduces a new personal accounting section: record expenses and income, organize operations by category, view your monthly balance, compare statistics, and better understand where your money goes. Use OweiT with friends, family, roommates, coworkers, or just for yourself. Whether you are splitting a restaurant bill, collecting money for a birthday gift, planning a trip, lending money, tracking monthly expenses, or recording income, OweiT helps keep everything clear and organized. Features • Track who owes whom • Create groups for shared expenses • Automatically calculate each person’s share • Track recurring and upcoming payments • Personal accounting for expenses and income • Organize operations by categories • View monthly balance, income, expenses, loans, and repayments • Compare current month statistics with the previous month • Use calendar-based transaction history • Work with multiple currencies and exchange rates • Choose favorite currencies for faster entry • Mark payments as completed • View outstanding balances at a glance • Get helpful financial tips • Clean, fast, and easy-to-use interface • No spreadsheets or complicated budgeting Perfect for • Friends splitting bills • Roommates sharing expenses • Group trips and vacations • Birthday and holiday gifts • Family expenses • Personal loans • Recurring bills and subscriptions • Monthly expense tracking • Personal income and balance tracking • Everyday personal accounting Stop chasing messages and trying to remember who paid. Let OweiT do the math, track your payments, and help you understand your money.

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms