# Keepfully vs iOweYou

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.

Both are free to download. Keepfully sells 1 one-off in-app purchase. iOweYou asks for nothing beyond the download.

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.

## The numbers

| Metric | Keepfully | iOweYou |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews)** | — |
| Number of ratings | **30** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Freemium | — |
| Size | 15 MB | 22 MB |
| Requires iOS | 18.4 | **17.6** |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Nikolai Nobadi](https://appshunter.io/developer/1330360753) |

## 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 |


### iOweYou

[App page](https://appshunter.io/ios/app/ioweyou-debt-tracker/id6450847298)

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

**In-app purchases:** none


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