Comparison

Keepfully vs iOweYou

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

iOweYou

Features
Read full description

Making Debt Tracking Fun and Easy! Managing debts has never been this fun and hassle-free! With iOweYou, you can easily keep track of what you owe and what you’re owed. Whether it's splitting rent with roommates, tracking shared expenses with friends, or just remembering who bought dinner last time, iOweYou has got you covered. Create and join contracts with friends to keep everything transparent and organized. Add new deals with just a few taps, and let your friends approve or dispute them. When it’s time to settle up, simply choose the statement period and get everything squared away with ease. And don’t worry about losing track – all your past statements are archived and accessible whenever you need them. iOweYou is your go-to app for managing debts, ensuring that you never miss a payment and always stay on top of your finances. Download now and take the stress out of debt tracking!

Screenshots

Keepfully4 screens
iOweYou4 screens

Verdict

The call

The clearest difference is in-app purchases: iOweYou at none against Keepfully's 1. Keepfully's advantage is ads (none vs shown) and device support (4 vs 1). On price, update cadence and iOS requirement 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. iOweYou asks for nothing beyond the download.

UpkeepUpdate frequency

Keepfully ships an update every 3 months, iOweYou every 2 months. The most recent releases landed on September 24, 2026 and September 17, 2026 respectively.

Scorecard3 real differences · 7 level
Keepfully versus iOweYou: the parameters behind the verdict, then further details
ParameterKeepfullyiOweYou
PriceFreeFree
Rating3.9 (30 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings30 — better—
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Apple Watch, Vision Pro — betteriPhone
Requires iOS18.417.6 — better
Further details — not scored
Size15 MB22 MB
Age rating4+4+
DeveloperAlexander KaessnerNikolai Nobadi

In-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99
None

iOweYou

No in-app purchases

Questions

Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Is iOweYou free?
iOweYou is free to download, with no in-app purchases.
Do Keepfully or iOweYou have ads?
iOweYou shows ads; Keepfully does not.
Which is updated more often, Keepfully or iOweYou?
Keepfully ships an update every 3 months, and iOweYou every 2 months. Most recently, Keepfully was updated on September 24, 2026 and iOweYou on September 17, 2026.

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