Who Owes Me vs Subscriptions
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Who Owes Me
Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.
- Track debts and IOUs
- Split expenses
- Cloud sync across devices
- Over 155 currency support
- Mark debts as paid
- Generate PDF reports
- Remind people via message
Read full descriptionHide full description
Never forget who you borrowed money or who you owe money. Who Owes Me - Debt Manager is a simple App to remember debts or split expenses between friends. You can mark debts as paid and always have an overview of money you lent to friends. You can also use your contacts to quickly add new debts. Easy to use interface to quickly manage debts. Features - Remember debts/IOUs - Split expenses (e.g. on holidays or for birthday presents) - Cloud Sync between multiple devices - Touch/Face ID - Multiple folders - Notifications - Use contacts for faster inputs - Over 155 Currencies - Part payments - Mark as paid - Export data - Generate PDFs - Remind people via SMS/WhatsApp/E-Mail - Recurring entries All pro features, unlimited entries and Cloud Sync between multiple iOS devices can be used after a one time payment or an active auto-renewal subscription. This three in app purchases can be bought in the app. Subscription informations - You can choose between a monthly and a yearly auto-renewal subscription. - Subscriptions include all pro features, unlimited entries and Cloud Sync between multiple iOS devices. - The subscription will renew automatically 24 hours before the end of the current period. - The subscription price depends on the subscription period you choose. - You can manage your subscription and turn off auto-renewal in your iTunes Account Settings. Free trial - Yearly subscription includes a free trial period. - You will not be charged until your trial has ended. - Your iTunes Account will only be charged once your purchase is confirmed. - Any unused portion of the free trial period will be forfeited after purchase. Terms of Service: https://whoowesme.app/tos.pdf
Subscriptions
Easily track and manage all your recurring subscriptions in one place. Get timely notifications for upcoming payments and cancellation deadlines. Organize your finances with detailed insights and customizable features.
- Subscription overview and management
- Payment and cancellation notifications
- Price change tracking
- Document attachment
- Search and pinning functionality
- iCloud Sync
- Multi-currency support
Read full descriptionHide full description
Get a better overview of your subscriptions, manage them and receive notifications about payments that are due. You can add a subscription in a few seconds or take your time and enter detailed information. • iCloud sync • Decide which subscriptions you want to receive notifications for and set the exact time • Enter price changes and create price histories for subscriptions • Enter cancellation periods and receive notifications about cancellation deadlines • Add multiple documents to a subscription • Search through your subscriptions by name or keyword • Pin subscriptions to a section on the Home page • Support for more than 150 currencies • Export your subscriptions as a CSV or text file • Save, share and import subscriptions with Subscriptions files • Calendar integration • Apple Watch app • Widgets • Customize the app color theme • Alternative app icons • Dark Mode Your data is stored only on your devices. If you enable iCloud sync, it is also stored in iCloud. The app is ad-free. You can add up to 5 subscriptions for free. You can remove this restriction with the one-time purchase of Subscriptions+.
Screenshots
Verdict
The clearest difference is review sentiment: Subscriptions at 89% against Who Owes Me's 46%. Subscriptions also leads on device support (4 vs 2) and iOS requirement (15.0 vs 26). Who Owes Me's advantage is rating (4.6 vs 4.1) and ratings volume (811 vs 66). On price, ads, in-app purchases and monetization model 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. Who Owes Me sells 3 in-app purchases, starting at $2.99 per month and Subscriptions sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Who Owes Me holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: Who Owes Me has 811 ratings behind it against 66, so its average is the more settled of the two. Written reviews complicate that: 46% of Who Owes Me's written reviews are positive against 89% of Subscriptions's, so the app with the better star average is not the one people write more warmly about.
Who Owes Me ships an update every 3 weeks, Subscriptions every 6 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | Who Owes Me | Subscriptions |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (811 ratings) — better | 4.1 (66 ratings) |
| Positive reviews | 45.8% of reviews | 88.9% of reviews — better |
| Number of ratings | 811 — better | 66 |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 26 | 15.0 — better |
| Further details — not scored | ||
| Size | 13 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | Voglhuber | Alexander Feist |
Customer experience
Who Owes Me
Subscriptions
Bugs and requests
Who Owes Me
Reported bugs
4 issues- App crashes on startup
- Sudden loss of all user data
- Sync issues between devices
- Inability to add new debts in free version
Requested features
5 requests- Add ability to record partial payments
- Implement recurring payment tracking
- Include more note-taking options
- Provide cloud-based sync and backup
- Add reminders and notifications
Subscriptions
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Who Owes Me
- Monthly$2.991 Month
- Yearly7 Days trial$17.991 Year
- Lifetime$39.99
Subscriptions
- Subscriptions+$8.95









