Comparison

Owesy vs Debt Fix

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Owesy

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
Read full description

Have you ever gone away for the weekend with friends where everyone has paid different amounts – one person paid for the car rental, someone paid for the groceries, etc. – and then at the end of the weekend you're all trying to figure out who owes who what in order to settle evenly among everyone? Or did you go to dinner with friends and everyone is trying to figure out how much to put down and tip based on what they ordered? Owesy can do these two types of calculations with fast and easy inputs from you: 1. Complicated group tabs where everyone's paid amounts are meant to be split evenly by the group. Just enter everyone's names and amounts paid (you can add multiple amounts per person) and see who owes who what to settle evenly. Does this in the least number of transactions, no big! There are awards too ;) 2. Restaurant tipping. Quickly put in the bill's details and how much you're tipping and voila! The suggested way to pay appears. Owesy what you must! But paysy as you wish.

About

Debt Fix

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

Highlights
  • Debt tracking
  • Financial breakdown
  • Payoff plan development
  • Amortized payment schedule
  • Progress analysis report
Features
Read full description

Debt Fix is the debt payoff planner that shows you exactly when you'll be debt-free. Pay off credit cards, student loans, auto loans, medical bills, and personal loans faster with the snowball method, the avalanche method, or either one tuned with your own extra payments. No account. No bank connection. Start in seconds. CHOOSE YOUR STRATEGY • Avalanche: pay the least interest by attacking your highest rates first • Snowball: build momentum by knocking out your smallest balances first • Side-by-side comparison shows the interest saved and the time difference at a glance STAY ON TRACK EVERY MONTH • A monthly checklist tells you exactly what to pay and where • Total balance, payoff date, and progress on one dashboard • Categories for credit card, student loan, auto, medical, personal, and mortgage debt • 0% APR promotional periods, so interest-free balances calculate correctly • Add a lump sum any month, or a recurring extra payment every month SEE YOUR PROGRESS • Charts that update the moment you log a payment • A full amortization schedule for every debt • Savings report shows interest saved and months cut from your payoff date • Export your payoff schedule to PDF or CSV ON YOUR HOME SCREEN • Home Screen and Lock Screen widgets keep your payoff date one glance away • Reminders so you never miss a due date • Built for iPhone and iPad, with full Dark Mode support YOUR DEBT DATA STAYS YOURS • Works fully offline. Your debt details live on your device. • iCloud sync keeps your iPhone and iPad in step through your own private iCloud account • No account or signup required to use the app • Your debts and balances are never sold or shared DEBT FIX PREMIUM Supported by ads. Premium unlocks unlimited debts, full PDF and CSV exports, every theme color, and an ad-free experience. One purchase, lifetime access. No subscriptions. Not ready to buy? You can still unlock a single export by watching a short video. Your money should work for you, not your lenders. Download Debt Fix and start your payoff plan today.

Screenshots

Owesy4 screens
Debt Fix4 screens

Verdict

The call

The clearest difference is rating: Owesy at 5.0 against Debt Fix's 4.0. Owesy also leads on in-app purchases (none vs 1) and ads (none vs shown). Debt Fix's advantage is update cadence (weekly vs every 4 months). On price, ratings volume and device support 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. Debt Fix sells 1 one-off in-app purchase. Owesy asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Owesy holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 12 and 11 respectively. Written reviews point the same way: 100% of Owesy's written reviews are positive against 75% of Debt Fix's.

UpkeepUpdate frequency

Owesy ships an update every 4 months, Debt Fix weekly. Both last shipped on October 24, 2026.

Scorecard7 real differences · 3 level
Owesy versus Debt Fix: the parameters behind the verdict, then further details
ParameterOwesyDebt Fix
PriceFreeFree
Rating5.0 (12 ratings) — better4.0 (11 ratings)
Positive reviews100.0% of reviews — better75.0% of reviews
Number of ratings12 — better11
Update frequencyEvery 4 monthsWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size28 MB11 MB
Age rating4+4+
DeveloperJacob LoetermanChristopher Donoso

Customer experience

Owesy

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Debt Fix

All ratings11 ratings
Positive72.7%
Neutral0.0%
Negative27.3%
Written reviews8 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Owesy

No in-app purchases

1 purchases

Debt Fix

One-time1
  • Debt Fix Premium$4.99

Questions

Is Owesy free?
Owesy is free to download, with no in-app purchases.
Is Debt Fix free?
Debt Fix is free to download, with in-app purchases available.
Which has better reviews, Owesy or Debt Fix?
Owesy is rated higher. Owesy averages 5.0 out of 5 from 12 ratings, while Debt Fix averages 4.0 from 11 ratings.
Do Owesy or Debt Fix have ads?
Debt Fix shows ads; Owesy does not.
Which is updated more often, Owesy or Debt Fix?
Owesy ships an update every 4 months, and Debt Fix weekly. Most recently, Owesy was updated on October 24, 2026 and Debt Fix on October 24, 2026.

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