owed vs FLO

Version 2 is here! What is new in this version? In a nutshell, everything! Do you borrow money? Do you lend money to your friends? Maybe your family is on your mobile family plan ( you know that mobile plan that no one actually knows what they owe the plan owner each month). If one or all of these fits you, then you're going to love owed! Here is just a sample of some key features: • FREE to use and no sign-up requirement. Seriously who doesn't like free? This also means you should limit your list of demands on what the app needs to do. Remember, it's FREE. • Keep track of multiple entries for each person. If you're like me, you have that one friend (Carl) that is constantly borrowing something. Now you can keep tabs on Carl and what he owes you. • Use your contacts to create new people. Now it's super easy to add Carl's information to the owed app. (Thanks Apple Contacts) • Set Notifications. I promise this time they work! • Send email or SMS reminders. Email not your thing? No worries. Send that person a text message directly from the owed app! • 3D touch enabled Maybe you have it, maybe you don't. But if you do, good for you, as owed is now using 3D touch! • Update person's information. You know, like if Carl tries to change his legal name to Chuck. Well bad news, Chuck. Owed makes it really easy to update a contact's name. • View the history of your statements. If Chuck tries to argue that he didn't borrow more money on top of what he already owes you for lunch, now you can show him the exact day he borrowed money for that Happy Meal. If you like what you see, please rate the app! Thanks for checking out the app, we hope you enjoy it as much as we do!

FLO is the all-in-one finance tracker for freelancers, side-hustlers, and small business owners. Track every dollar, claim every mile, and hand your CPA a tidy tax package — all from your phone or Mac. WHAT FLO DOES Track transactions across personal AND business accounts in one place. FLO automatically separates business income and deductions so you're tax-ready year-round. KEY FEATURES • Smart receipt scanner — point your camera at a receipt and FLO extracts merchant, amount, date, tax, and tip automatically. Works for receipts, bills, and invoices. • Mileage tracking — automatic GPS-based business mileage logging with IRS rate calculation. Classify trips with one tap. Bulk-clear unreviewed trips. Built for the 2026 IRS rate of $0.725/mi. • Tax-ready reporting — Schedule C, Form 1065, Schedule F, Schedule E line mapping. Export to Lacerte CSV or generic CSV for any tax prep software. • Business entity support — track multiple LLCs, partnerships, or sole proprietorships. K-1 partner allocations, basis tracking, MACRS depreciation, multi-year carryforwards. • Cash flow forecasting — three-month forecast with danger zone alerts. • Plaid bank sync — connect 12,000+ banks (Premium and Pro) • Cloud sync with iCloud across iPhone, iPad, Mac, and Apple Watch • Invoicing — create, send, and track invoices. Cash flow updates the moment a client pays. • Debt payoff calculator — snowball vs avalanche scenarios • Budgets — category budgets with personalized insights • Apple Watch app + home screen widgets FREE TIER • Up to 50 transactions per month • Smart receipt scanner included • Manual mileage entry • Basic budgets and reports PREMIUM ($7.99/mo or $59.99/yr — limited launch pricing) • Unlimited transactions, receipts, accounts • Automatic GPS mileage tracking • Plaid bank sync • CSV bank statement import • Quarterly tax estimates • Personalized financial insights PRO ($12.99/mo or $99.99/yr) • Everything in Premium • Multi-entity tax preparation (LLCs, partnerships, Schedule C/F/E) • Partner basis tracking and K-1 allocations • MACRS depreciation schedules • Tax carryforward register • Year-end closing workflow • Filing checklist with deadlines per entity • Estimated tax dashboard with safe harbor calculations • NAICS code suggestions • Multi-year tax comparison • CPA handoff PDF + JSON export • Filing preparer checklist • Profit & loss reports PRIVACY FIRST FLO never sells your data. All financial data syncs through iCloud — Apple's encrypted infrastructure. No tracking, no ads, no data brokers. 7-DAY FREE TRIAL on Premium. Cancel anytime in Settings > Subscriptions. Terms: https://floptimizer.github.io/FLO/terms.html Privacy: https://floptimizer.github.io/FLO/privacy.html EULA: https://floptimizer.github.io/FLO/eula.html Built by Finch & Poppy Co LLC.