# Loan Tracker vs VC Online

The clearest difference is in-app purchases: VC Online at none against Loan Tracker's 25. VC Online also leads on iOS requirement (13.0 vs 16.0). Loan Tracker's advantage is ads (none vs shown) and update cadence (every 3 days vs fortnightly). On price and device support there is nothing between them.

Both are free to download. Loan Tracker sells 23 in-app purchases, starting at $3.99 per month. VC Online asks for nothing beyond the download.

Loan Tracker ships an update every 3 days, VC Online fortnightly. The most recent releases landed on October 29, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Loan Tracker | VC Online |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (356 ratings)](https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670/reviews)** | — |
| Number of ratings | **356** | — |
| Positive reviews | 72.9% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#164** | — |
| Size | 76 MB | 51 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IEVGENII IABLONSKYI](https://appshunter.io/developer/1019372939) | [VINCENT CAPITAL LIMITED](https://appshunter.io/developer/1635065710) |

## What reviewers say

### Loan Tracker

[App page](https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670)

**Currently charting:** #164 Top Grossing · Finance (US App Store)

This app helps manage money shared between friends, family, or partners. It tracks loans, splits bills, and facilitates clear communication about debts and repayments with built-in message templates and professional statements.

**Highlights:** Track loans and IOUs, Split bills easily, Built-in Money Messages for conversations, Generate professional PDF statements, Voice-to-entry for quick logging, Smart payment reminders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (23)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Full Version | $3.99 | per month |
| Monthly Friends & Family | $3.99 | per month |
| Yearly unlimited | $19.99 | per year |
| Yearly unlimited | $24.99 | per year |
| Authentication. Debt Tracker | $0.99 | one-time |
| Debt Tracker.Recurring Entries | $0.99 | one-time |
| Sharing Options. Debt tracker | $1.99 | one-time |
| Cloud Accounts Light | $2.99 | one-time |
| Family Plan | $2.99 | one-time |
| Friends & Family Upgrade | $2.99 | one-time |
| Debt, Loan Tracker Unlimited | $3.99 | one-time |
| Unlimited Lifetime Discounted | $4.99 | one-time |
| Cloud Accounts Standard | $4.99 | one-time |
| Friends & Family Discount | $4.99 | one-time |
| Business Upgrade | $4.99 | one-time |
| Unlimited Lifetime | $6.99 | one-time |
| Friends & Family Plan | $6.99 | one-time |
| Unlimited Upgrade | $6.99 | one-time |
| Business Upgrade | $7.99 | one-time |
| Unlimited Discount | $9.99 | one-time |
| Unlimited Plan | $14.99 | one-time |
| Unlimited Forever (Sale) | $59.99 | one-time |
| Unlimited Forever | $79.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 📈 Keeps records organized
- 💡 Developer is receptive to ideas
- ✨ Improvements and adjustments made
- 💰 Ability to add interest

**What reviewers complain about**

- 🐛 Total owed calculation incorrect
- 🐛 App freezes after data entry
- 🐛 Data loss after updates/reinstalls
- 🐛 Unable to see past entry details
- 🐛 App not working after purchase

**Reported bugs**

- Total owed calculation mismatch
- App freezes during data entry
- Loss of data after updates or reinstallation
- Inability to view details of past entries
- App not functioning after purchase

**Requested features**

- Live links for friends to see balances
- Option to turn off idea tips
- Schedule recurring charges on longer intervals (e.g., quarterly, annually)
- Switch for night/day mode
- Add field for description or reason for loan


### VC Online

[App page](https://appshunter.io/ios/app/vc-online/id1635065708)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Loan Tracker free?

Loan Tracker is free to download, with in-app purchases available.

### Is VC Online free?

VC Online is free to download, with no in-app purchases.

### Do Loan Tracker or VC Online have ads?

VC Online shows ads; Loan Tracker does not.

### Which is updated more often, Loan Tracker or VC Online?

Loan Tracker ships an update every 3 days, and VC Online fortnightly. Most recently, Loan Tracker was updated on October 29, 2026 and VC Online on October 19, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*