# Owesy vs IOU

The clearest difference is rating: Owesy at 5.0 against IOU's 4.4. Owesy also leads on review sentiment (100% vs 60%) and in-app purchases (none vs 5). IOU's advantage is update cadence (fortnightly vs every 4 months). On price, ratings volume, ads and device support there is nothing between them.

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. Owesy asks for nothing beyond the download.

Owesy holds the better App Store score, 5.0 against 4.4. Both are backed by a comparable volume of ratings — 12 and 18 respectively. Written reviews point the same way: 100% of Owesy's written reviews are positive against 60% of IOU's.

Owesy ships an update every 4 months, IOU fortnightly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Owesy | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (12 ratings)](https://appshunter.io/ios/app/owesy/id1445506292/reviews)** | [4.4 (18 ratings)](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294/reviews) |
| Number of ratings | 12 | **18** |
| Positive reviews | **100.0% of reviews** | 60.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | **Free** | Freemium |
| Size | 28 MB | 53 MB |
| Requires iOS | **15.1** | 26.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Vision Pro |
| Age rating | 4+ | 4+ |
| Developer | [Jacob Loeterman](https://appshunter.io/developer/1445506291) | [Eric Agredo](https://appshunter.io/developer/1475112741) |

## What reviewers say

### Owesy

[App page](https://appshunter.io/ios/app/owesy/id1445506292)

Easily calculate shared expenses and group bills among friends. This app simplifies splitting costs for trips, dinners, and other group activities, ensuring everyone pays their fair share with minimal transactions.

**Highlights:** Calculate complicated group tabs, Split costs evenly among groups, Add multiple amounts per person, Minimize settlement transactions, Calculate restaurant tips, Quickly input bill details

**Features:** macOS Compatibility

**In-app purchases:** none


### IOU

[App page](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294)

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

**Highlights:** Receipt scanning and itemization, Assign items to individuals, Automatic tax and tip calculation, Per-person total calculation, Eliminates manual bill splitting

**Features:** Family Sharing

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| IOU Pro | $0.99 | per month |
| IOU Pro | $2.99 | per month |
| IOU Pro | $6.99 | per year |
| IOU Pro | $24.99 | per year |
| Lifetime IOU Pro | $29.99 | one-time |


## Frequently asked questions

### Is Owesy free?

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

### Is IOU free?

IOU is free to download, with in-app purchases available.

### Which has better reviews, Owesy or IOU?

Owesy is rated higher. Owesy averages 5.0 out of 5 from 12 ratings, while IOU averages 4.4 from 18 ratings.

### Do Owesy or IOU have ads?

Neither Owesy nor IOU shows ads.

### Which is updated more often, Owesy or IOU?

Owesy ships an update every 4 months, and IOU fortnightly. Most recently, Owesy was updated on October 24, 2026 and IOU on October 24, 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.*