V vs Debt Tracker IOU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
V
This application helps users track and manage company expenses. It allows for the creation of expense categories, addition of line items with bill attachments, and submission for approval. All data is automatically synced to the cloud for easy access and backup.
- Expense tracking by category
- Attach bills and receipts
- Submit expenses for approval
- Cloud synchronization
- Desktop browser access
- Unlimited categories
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Expense Tracker is an application which helps track and close expenses in any enterprise. Registered users can login, create their main expense heads / categories, add line items inside each category, add bills and receipts as attachments, and submit them for approval to the concerned department in their company. All of this is automatically synced to the cloud, which prevents loss of data as well provides a convenient way to manage these expenses from a desktop system later on. Features: • Very simple to navigate and use • Can organize expenses under categories or heads • Unlimited number of categories and line items • Supports adding bills, receipts etc by attaching from Camera or Gallery • Backed up in cloud automatically • Can view and manage all saved expenses from browser as well • No ads and free to use
Debt Tracker IOU
This app helps you track personal loans and debts, ensuring you never forget who owes you money. It offers smart financial insights, payment reminders, and secure local storage for your financial records.
- Track loans and IOUs
- Smart financial insights
- Payment reminders
- Organize by person
- Add notes and receipts
- Export data to CSV
- Local storage and biometric lock
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Never forget who owes you money again. Khatta Flow is the most intuitive personal ledger and debt manager for anyone who regularly lends or borrows. Whether you are settling small loans with friends or keeping a digital khata book for your shop, Khatta Flow keeps every record precise and organized. NEW — TRACK YOUR DAILY SPENDING Khatta Flow is no longer just for debts. Log your everyday income and expenses alongside your loans and see your full financial picture in one place. - Daily Expense Tracker — record every expense and income entry, automatically sorted into categories like Food & Drink, Transport, Bills, Health and Education. - Quick Add with Back Tap — double-tap the back of your iPhone to log a transaction in seconds, without ever opening the app. - Widgets — keep your To Pay and To Receive balances visible at a glance, right on your screen. - Smarter Reports — new charts, category breakdowns and monthly summaries show you exactly where your money went. WHY CHOOSE KHATTA FLOW - Track loans and IOUs — log every transaction the moment you lend or borrow. - Payment reminders — set custom notifications so a due date never slips past you. - Stay organized — group transactions by person, and attach notes or receipts to any entry. - Multi-currency — keep balances in USD, EUR, GBP and more, each tracked separately. - Professional reporting — export to CSV for Excel, your accountant, or a business partner. PERFECT FOR - Friends splitting bills or tracking shared expenses. - Small business owners who need a reliable debt and credit book. - Anyone ready to retire the paper ledger for a secure digital one. SECURE AND PRIVATE Your financial data is sensitive. Khatta Flow keeps your records on your device and protects them with a biometric app lock. No more forgotten debts. Just complete financial clarity. Terms of Use & EULA: https://docs.google.com/document/d/1gT3g7szuVF_BitDR6KnaHyGCpFDcQRk056kKsli80QE/edit?tab=t.0 Privacy Policy: https://docs.google.com/document/d/1oplMB8vaanZKVyAJv8yURCrc67ypgZB8tL3pZGccJnw/edit?tab=t.0
Screenshots
Verdict
The clearest difference is in-app purchases: V at none against Debt Tracker IOU's 6. V also leads on iOS requirement (12.0 vs 18.0). On price, rating, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Debt Tracker IOU sells 5 in-app purchases, starting at $0.99 per 7 days. V asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for V against 5.0 for Debt Tracker IOU. Both are backed by a comparable volume of ratings — 1 and 1 respectively.
V ships an update every 5 weeks, Debt Tracker IOU every 6 weeks. The most recent releases landed on September 7, 2026 and September 21, 2026 respectively.
| Parameter | V | Debt Tracker IOU |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (1 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 1 |
| Update frequency | Every 5 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 12.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 18 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | V-Soft Consulting Group, Inc. | Aniqa Safdar |
Customer experience
V
Debt Tracker IOU
In-app purchases
V
No in-app purchases
Debt Tracker IOU
- Weekly Pro3 Days trial$0.997 Days
- Monthly Pro3 Days trial$2.991 Month
- Yearly Pro3 Days trial$19.991 Year
- Lifetime Premium2 variants$34.99
- Lifetime Pro$34.99









