Everything owllet can do

The home screen is built from blocks you choose yourself. The default view shows your total balance, a budget progress overview, and your latest transactions — but you can add or remove any of the seven available blocks, then touch and hold a visible block to drag it into a new position.

The seven blocks are: Total summary (overall balance + this month's income and expenses), Budget overview (how your category budgets are tracking), Latest transactions (the most recent entries), Expenses by category (a donut chart), Income vs Expenses (a combined monthly chart), and individual Expenses and Income charts.

You can also filter the entire home screen to a single account — useful if you want to focus on one wallet at a time.

Workspaces let you keep separate ledgers inside the same app. Use one for your personal money, another for a shared household, a trip, a project, or any budget you want to track independently.

Each workspace has its own accounts, categories, budgets, transactions, recurring rules, dashboard setup, and Easy or Power mode. The workspace switcher keeps the active ledger clear, so you always know which set of numbers you're editing.

If iCloud sync is set to selected workspaces, each owned workspace can be kept in private iCloud or only on the current device. You can also invite another iCloud user to one synchronized workspace; invited members can see and edit that workspace while every other workspace remains separate.

Every workspace starts in either Easy or Power mode. Easy mode keeps the app focused on quick everyday tracking, with a simpler set of screens and system accounts created for the basic flow.

Power mode unlocks the complete owllet experience: custom accounts, full categories and budgets, Statistics, Budget, Calendar, recurring transactions, dashboard block choices, and deeper filtering.

You can create more Easy or Power workspaces later, so a simple household budget and a detailed personal ledger can live side by side.

A reverse-chronological list of everything you've recorded. Each row shows the amount, category, account, and date. Tap any entry to open it for editing.

You can filter the list by account — or by type (expenses only, income only, or transfers only) — or combine both filters at once. The list updates instantly as you switch filters.

Swiping a transaction row reveals a delete option. Deleting a transaction is permanent, so the app asks for confirmation first.

In a shared workspace, owllet can notify you whenever another member adds an expense, income, or transfer. Shared workspace activity is enabled separately under Settings → Notifications; it does not use the Recurring reminders switch or its reminder timing.

A live search across all your transactions. Results appear as you type, so you don't need to press Enter. The search matches against the note text, category name, and account name.

Useful when you remember something about a transaction — a keyword from the note, the shop name you typed — but can't remember when it happened or which account it's under.

Lists all your wallets with their current balance. The balance shown is the opening balance you set when creating the account, plus or minus everything you've recorded since.

A balance shown in red means the account is in the negative. Tapping an account opens its own transaction history — only the entries that belong to that account.

Accounts that have been deleted but still hold archived transactions appear separately as a read-only special wallet. You can create, edit, delete, and reorder accounts from Settings.

Charts and breakdowns that show where your money went and came from over time. You can scroll through months to compare spending patterns, see totals by category, and track whether your income is keeping up with your expenses. Category and subcategory donuts show the six largest groups plus Other, which combines the remaining and uncategorized expenses so every amount is represented and can be opened for detail.

The charts cover the same ground as the Dashboard blocks, but the Statistics tab gives each one more space and detail. Good for reviewing a full month after the fact, or looking back at a specific period.

Shows how your actual spending compares to the monthly limits you've set per category. Use the month controls to browse earlier months and return to the current one. Each category row shows its planned budget and how much was spent in the selected month.

Overspent categories are marked with a warning icon and highlighted spending details. For a top-level category, owllet compares its rolled-up spending with the combined budgets of its visible subcategories, so the overspending indicator reflects the complete category group.

Tapping a top-level category opens its subcategories, each with its own budget and spending total. Budget amounts are set in Settings → Categories, and a category without a limit remains visible as No budget set.

A monthly calendar where each day that has at least one transaction is marked. Tapping a day shows the transactions from that date underneath the calendar — amounts, accounts, and categories, in the order they were recorded.

You can navigate between months. Useful for recalling what happened on a particular day, finding a transaction you remember by date, or noticing patterns — like consistently high spending on weekends.

Set up income and expenses that repeat on a schedule, so a rent payment, a salary, or a subscription never has to be entered by hand again. Each rule runs on its own interval and keeps going until you change it.

A recurring rule can post automatically on its due date or wait for your approval first, and owllet can remind you with a notification before it falls due. Everything coming up is gathered in one place, where you can review, approve, skip, or add each item with a single tap.

Skipping a single occurrence leaves the rest of the schedule intact, and editing a rule only changes future entries — the transactions already recorded stay exactly as they were.

Private iCloud sync keeps your owned owllet workspaces up to date across your Apple devices. You can sync every owned workspace, only the ones you choose, or nothing; data stays on the current device by default.

Separately, you can invite another iCloud user to a synchronized workspace. Apple CloudKit keeps that workspace current for every participant, with no owllet account or company server in the middle. Each participant can independently enable shared activity notifications for new expenses, income, and transfers added by someone else. This setting is separate from recurring-item reminders. Turning private sync off ends shares you own, while workspaces shared with you continue until you leave or the owner removes access. iCloud backups remain separate.

Create restorable backup packages in your private iCloud. Backups can cover the active workspace or everything in the app, and automatic daily backups are available for regular protection.

Restoring from iCloud uses the same clear restore choices as local backups: replace the current data or keep existing data and import the backup as new. A safety backup is created automatically before a replace restore.