# Keepfully vs IOU

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.

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.

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.

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

## The numbers

| Metric | Keepfully | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews)** | [2.5 (2 ratings)](https://appshunter.io/ios/app/iou-money/id1557082693/reviews) |
| Number of ratings | **30** | 2 |
| Positive reviews | **50.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 15 MB | 32 MB |
| Requires iOS | 18.4 | **15.6** |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Nikesh Shakya](https://appshunter.io/developer/1706815426) |

## What reviewers say

### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

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:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


### IOU

[App page](https://appshunter.io/ios/app/iou-money/id1557082693)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $19.99 | per year |


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