Comparison

Who Owes Me vs Subscriptions

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read 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

About

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.

Highlights
  • Subscription overview and management
  • Payment and cancellation notifications
  • Price change tracking
  • Document attachment
  • Search and pinning functionality
  • iCloud Sync
  • Multi-currency support
Features
Read 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

Who Owes Me4 screens
Subscriptions4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
Who Owes Me versus Subscriptions: the parameters behind the verdict, then further details
ParameterWho Owes MeSubscriptions
PriceFreeFree
Rating4.6 (811 ratings) — better4.1 (66 ratings)
Positive reviews45.8% of reviews88.9% of reviews — better
Number of ratings811 — better66
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch — better
Requires iOS2615.0 — better
Further details — not scored
Size13 MB43 MB
Age rating4+4+
DeveloperVoglhuberAlexander Feist

Customer experience

Who Owes Me

All ratings811 ratings
Positive90.5%
Neutral4.1%
Negative5.4%
Written reviews118 reviews
Positive45.8%
Neutral12.7%
Negative41.5%

Subscriptions

All ratings66 ratings
Positive75.8%
Neutral3.0%
Negative21.2%
Written reviews36 reviews
Positive88.9%
Neutral2.8%
Negative8.3%

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

3 purchases

Who Owes Me

Subscriptions2
  • Monthly$2.991 Month
  • Yearly7 Days trial$17.991 Year
One-time1
  • Lifetime$39.99
1 purchases

Subscriptions

One-time1
  • Subscriptions+$8.95

Questions

Is Who Owes Me free?
Who Owes Me is free to download, with in-app purchases available.
Is Subscriptions free?
Subscriptions is free to download, with in-app purchases available.
Which has better reviews, Who Owes Me or Subscriptions?
Who Owes Me is rated higher. Who Owes Me averages 4.6 out of 5 from 811 ratings, while Subscriptions averages 4.1 from 66 ratings.
Do Who Owes Me or Subscriptions have ads?
Neither Who Owes Me nor Subscriptions shows ads.
Which is updated more often, Who Owes Me or Subscriptions?
Who Owes Me ships an update every 3 weeks, and Subscriptions every 6 weeks. Most recently, Who Owes Me was updated on November 6, 2026 and Subscriptions on November 3, 2026.

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