# Who Owes Me vs Payify

The clearest difference is iOS requirement: Payify at 17.6 against Who Owes Me's 26. On price, update cadence, ads and in-app purchases 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 Payify sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Who Owes Me ships an update every 3 weeks, Payify monthly. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Who Owes Me | Payify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (810 ratings)](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews)** | — |
| Number of ratings | **810** | — |
| Positive reviews | 45.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free with in-app purchases | — |
| Size | 13 MB | 19 MB |
| Requires iOS | 26 | **17.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Voglhuber](https://appshunter.io/developer/433453828) | [ERX CONNECT](https://appshunter.io/developer/1857256598) |

## 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


### Payify

[App page](https://appshunter.io/ios/app/payify-subscription-tracker/id6759961990)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Coffee Small | $4.99 | one-time |
| Coffee Medium | $9.99 | one-time |
| Coffee Big | $24.99 | one-time |


## Frequently asked questions

### Is Who Owes Me free?

Who Owes Me is free to download, with in-app purchases available.

### Is Payify free?

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

### Do Who Owes Me or Payify have ads?

Neither Who Owes Me nor Payify shows ads.

### Which is updated more often, Who Owes Me or Payify?

Who Owes Me ships an update every 3 weeks, and Payify monthly. Most recently, Who Owes Me was updated on October 26, 2026 and Payify on October 25, 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.*