Comparison

Keepfully vs IOU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Keepfully

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

About

IOU

Effortlessly manage your finances with this comprehensive budgeting and expense tracking app. Monitor spending, track debts and credits, and gain insights into your financial health with detailed reports and customizable features.

Highlights
  • Comprehensive expense tracking
  • Debt and credit management
  • Multiple currency support
  • Income and expense reports
  • Automatic report generation
  • Customizable manual updates
  • Loan tracking between friends/family
Features
Read full description

IOU Money - Budget App | Expense Tracker & Finance Manager Manage your finances effortlessly with IOU Money, the ultimate budgeting app designed to help you track, manage, and optimize your spending. Whether you're organizing your expenses, managing your debts, or planning your budget, IOU Money makes it simple to stay on top of your financial goals in real-time. With IOU Money, you can: Track spending easily and get automatic reports for full expense management. Keep a detailed record of your income and expenses for better financial control. Monitor your debts and credits with a smart debt tracker. View beautiful graphs and detailed financial reports that help you optimize your budget. Get notifications for any updates to your transactions and manage your loans (borrowed or lent) seamlessly. Key Features: Comprehensive Expense Tracking: Record and review your daily, monthly, and yearly spending. Debt and Credit Management: Keep track of loans and repayments easily. Multiple Currency Support: Manage your finances in various currencies like USD, NPR, EUR, JPY, GBP, and more. Income & Expense Reports: See where your money goes with detailed financial breakdowns. Automatic Report Generation: Get detailed, easy-to-understand reports without lifting a finger. Customizable Manual Updates: Import transactions from your bank or spreadsheet for seamless expense tracking. Available Currencies: USD, NPR, AUD, EUR, JPY, GBP, INR, KRW — More currencies will be added in future updates. Why Choose IOU Money? Take control of your finances with intuitive expense management tools. Track loans between friends and family with ease using our loan tracker. Get personalized budgeting insights to optimize spending and save money. Use a safe wallet to manage your money and keep track of all your transactions in one place. Perfect for: Personal finance management. Expense tracking and budget planning. Organizing loans and debts with friends or family. Saving money and improving your financial health. By downloading and using IOU Money, you agree to the Apple Standard End User License Agreement and our Privacy Policy. Access Terms of Use and Privacy Policy Terms of Use and Privacy Policy are available directly within the app, accessible via the Settings page and Paywall screen. By downloading and using IOU Money, you agree to the Apple Standard End User License Agreement and our Privacy Policy. Apple Standard End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Keepfully4 screens
IOU4 screens

Verdict

The call

The clearest difference is review sentiment: Keepfully at 50% against IOU's 0%. Keepfully also leads on rating (3.9 vs 2.5) and ads (none vs shown). IOU's advantage is iOS requirement (15.6 vs 18.4). On price, update cadence, in-app purchases and monetization model 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. Keepfully sells 1 one-off in-app purchase and IOU sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Keepfully holds the better App Store score, 3.9 against 2.5. That said, the two scores are not equally well evidenced: Keepfully has 30 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 50% of Keepfully's written reviews are positive against 0% of IOU's.

UpkeepUpdate frequency

Keepfully ships an update every 3 months, IOU every 2 months. Both last shipped on November 3, 2026.

Scorecard6 real differences · 4 level
Keepfully versus IOU: the parameters behind the verdict, then further details
ParameterKeepfullyIOU
PriceFreeFree
Rating3.9 (30 ratings) — better2.5 (2 ratings)
Positive reviews50.0% of reviews — better0.0% of reviews
Number of ratings30 — better2
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Apple Watch, Vision Pro — betteriPhone, iPod
Requires iOS18.415.6 — better
Further details — not scored
Size15 MB32 MB
Age rating4+4+
DeveloperAlexander KaessnerNikesh Shakya

Customer experience

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

IOU

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99
2 purchases

IOU

Subscriptions2
  • Monthly$3.991 Month
  • Yearly1 Year trial$19.991 Year

Questions

Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Is IOU free?
IOU is free to download, with in-app purchases available.
Which has better reviews, Keepfully or IOU?
Keepfully is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while IOU averages 2.5 from 2 ratings.
Do Keepfully or IOU have ads?
IOU shows ads; Keepfully does not.
Which is updated more often, Keepfully or IOU?
Keepfully ships an update every 3 months, and IOU every 2 months. Most recently, Keepfully was updated on November 3, 2026 and IOU on November 3, 2026.

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