# Who Owes Me vs ChargeFlow.Pro

The clearest difference is ads: Who Owes Me at none against ChargeFlow.Pro's shown. ChargeFlow.Pro's advantage is update cadence (weekly vs every 3 weeks) and iOS requirement (17.0 vs 26). On price, in-app purchases 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 and ChargeFlow.Pro sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Who Owes Me ships an update every 3 weeks, ChargeFlow.Pro weekly. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Who Owes Me | ChargeFlow.Pro |
| --- | --- | --- |
| 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 | 45.8% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Free with in-app purchases | — |
| Size | 13 MB | 10 MB |
| Requires iOS | 26 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Voglhuber](https://appshunter.io/developer/433453828) | [Michelle TING LIK HIE](https://appshunter.io/developer/1896688219) |

## 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


### ChargeFlow.Pro

[App page](https://appshunter.io/ios/app/chargeflowpro/id6769790325)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| ChargeFlow Pro Monthly | $3.99 | per month |
| ChargeFlow Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is Who Owes Me free?

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

### Is ChargeFlow.Pro free?

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

### Do Who Owes Me or ChargeFlow.Pro have ads?

ChargeFlow.Pro shows ads; Who Owes Me does not.

### Which is updated more often, Who Owes Me or ChargeFlow.Pro?

Who Owes Me ships an update every 3 weeks, and ChargeFlow.Pro weekly. Most recently, Who Owes Me was updated on November 11, 2026 and ChargeFlow.Pro on October 31, 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.*