# Who Owes Me vs SettleCub

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.

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.

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.

## The numbers

| Metric | Who Owes Me | SettleCub |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (803 ratings)](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews)** | — |
| Number of ratings | **803** | — |
| Positive reviews | 45.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Daily** |
| Monetization | Free with in-app purchases | — |
| Size | 13 MB | 6 MB |
| Requires iOS | 26 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Voglhuber](https://appshunter.io/developer/433453828) | [Ahmed MOHAMED](https://appshunter.io/developer/1879165166) |

## 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


### SettleCub

[App page](https://appshunter.io/ios/app/settlecub-split-debts/id6760327166)

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

**In-app purchases:** none


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