# VirtueCM vs Owed

The clearest difference is update cadence: Owed at every 6 weeks against VirtueCM's every 6 months. VirtueCM's advantage is iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

VirtueCM ships an update every 6 months, Owed every 6 weeks. The most recent releases landed on October 2, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | VirtueCM | Owed |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 6 weeks** |
| Size | 62 MB | 2 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Virtue Capital Management, LLC](https://appshunter.io/developer/1427775813) | [Raj Kumar](https://appshunter.io/developer/1865876594) |

## What reviewers say

### VirtueCM

[App page](https://appshunter.io/ios/app/virtuecm/id1427775814)

**Features:** macOS Compatibility

**In-app purchases:** none


### Owed

[App page](https://appshunter.io/ios/app/owed-settlement-finder/id6792834346)

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

**In-app purchases:** none


## Frequently asked questions

### Is VirtueCM free?

VirtueCM is free to download, with no in-app purchases.

### Is Owed free?

Owed is free to download, with no in-app purchases.

### Do VirtueCM or Owed have ads?

Neither VirtueCM nor Owed shows ads.

### Which is updated more often, VirtueCM or Owed?

VirtueCM ships an update every 6 months, and Owed every 6 weeks. Most recently, VirtueCM was updated on October 2, 2026 and Owed 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.*