Comparison

Who Owes Me vs SettleCub

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

SettleCub

Features
Read full description

Track debts, stay friends. No more awkward conversations about money — SettleCub handles it for you. Send a simple request, and let the app do the talking. SettleCub makes it easy to keep track of money between you and your friends. Send debt requests, record payments, and settle up — all in one place. Key Features: • Send & receive debt requests — invite friends by username • Track shared debts with real-time progress • Record partial payments step by step • Smart reminders — never forget a due date • Personal debt tracker for offline contacts • Built-in support system Whether it's splitting dinner, lending cash, or tracking group expenses — SettleCub keeps everything transparent and organized. Simple. Fair. Friendly.

Screenshots

Who Owes Me4 screens
SettleCub4 screens

Verdict

The call

The clearest difference is in-app purchases: SettleCub at none against Who Owes Me's 3. SettleCub also leads on update cadence (daily vs every 3 weeks) and iOS requirement (17.0 vs 26). On price, ads and device support 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. SettleCub asks for nothing beyond the download.

UpkeepUpdate frequency

Who Owes Me ships an update every 3 weeks, SettleCub daily. The most recent releases landed on October 14, 2026 and September 30, 2026 respectively.

Scorecard3 real differences · 7 level
Who Owes Me versus SettleCub: the parameters behind the verdict, then further details
ParameterWho Owes MeSettleCub
PriceFreeFree
Rating4.6 (803 ratings) — better—
Positive reviews45.7% of reviews—
Number of ratings803 — better—
Update frequencyEvery 3 weeksDaily — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS2617.0 — better
Further details — not scored
Size13 MB6 MB
Age rating4+4+
DeveloperVoglhuberAhmed MOHAMED

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

SettleCub

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
None

SettleCub

No in-app purchases

Questions

Is Who Owes Me free?
Who Owes Me is free to download, with in-app purchases available.
Is SettleCub free?
SettleCub is free to download, with no in-app purchases.
Do Who Owes Me or SettleCub have ads?
Neither Who Owes Me nor SettleCub shows ads.
Which is updated more often, Who Owes Me or SettleCub?
Who Owes Me ships an update every 3 weeks, and SettleCub daily. Most recently, Who Owes Me was updated on October 14, 2026 and SettleCub on September 30, 2026.

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