# Who Owes Me vs Subscriptions

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.

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.

## The numbers

| Metric | Who Owes Me | Subscriptions |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (811 ratings)](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews)** | [4.1 (66 ratings)](https://appshunter.io/ios/app/subscriptions-manage-subs/id1551697409/reviews) |
| Number of ratings | **811** | 66 |
| Positive reviews | 45.8% of reviews | **88.9% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 13 MB | 43 MB |
| Requires iOS | 26 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Voglhuber](https://appshunter.io/developer/433453828) | [Alexander Feist](https://appshunter.io/developer/1551697411) |

## What reviewers say

### Who Owes Me

[App page](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Yearly | $17.99 | per year |
| Lifetime | $39.99 | one-time |

**What reviewers like**

- 👍 Easy to use and intuitive
- 🚀 Provides a good overview of debts
- 💡 Helpful for tracking money owed
- 🚀 Simple and straightforward

**What reviewers complain about**

- 💰 Subscription or high one-time cost
- 🔒 Limited functionality in free version
- 🐛 Sync issues between devices
- 🐛 Crashes and data loss
- 💰 Expensive for the features offered

**Reported bugs**

- App crashes on startup
- Sudden loss of all user data
- Sync issues between devices
- Inability to add new debts in free version

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/subscriptions-manage-subs/id1551697409)

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:** Apple Watch app, iPhone Duo support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Subscriptions+ | $8.95 | one-time |


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