Comparison

Owesy vs SubFreeze

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

SubFreeze

Features
Read full description

Never get surprised by a renewal charge again. SubFreeze helps you track, manage, and optimize your recurring expenses in one beautiful, private place. Key Features: • All Your Subs in One Place: Visualize your monthly and yearly spending instantly. • Smart Reminders: Get notified before a bill hits so you can cancel in time. • iCloud Sync: Your data stays private and syncs automatically between your iPhone and iPad. • Interactive Widgets: See your upcoming bills right from your Home Screen. • Spending Insights: Beautiful charts break down your expenses by category (Entertainment, Work, Utilities). • Privacy First: Your data is stored in your personal iCloud container. We don't see it, sell it, or touch it. Take control of your financial life today with SubFreeze. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://docs.google.com/document/d/1wzfsKOOkJyOQQlaB_8Z9OsZnQT6T8qemIgq5c0-cGq8/edit?usp=sharing

Screenshots

Owesy4 screens
SubFreeze4 screens

Verdict

The call

The clearest difference is in-app purchases: Owesy at none against SubFreeze's 2. Owesy also leads on iOS requirement (15.1 vs 18.5). SubFreeze's advantage is update cadence (every 3 weeks vs every 4 months). On price, ads 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. SubFreeze sells 2 in-app purchases, starting at $4.99 per year. Owesy asks for nothing beyond the download.

UpkeepUpdate frequency

Owesy ships an update every 4 months, SubFreeze every 3 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Owesy versus SubFreeze: the parameters behind the verdict, then further details
ParameterOwesySubFreeze
PriceFreeFree
Rating5.0 (12 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings12 — better—
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better18.5
Further details — not scored
Size28 MB4 MB
Age rating4+4+
DeveloperJacob LoetermanAlaa Bashiyi

In-app purchases

None

Owesy

No in-app purchases

2 purchases

SubFreeze

Subscriptions1
  • Yearly Pro$4.991 Year
One-time1
  • Lifetime Pro$14.99

Questions

Is Owesy free?
Owesy is free to download, with no in-app purchases.
Is SubFreeze free?
SubFreeze is free to download, with in-app purchases available.
Do Owesy or SubFreeze have ads?
Neither Owesy nor SubFreeze shows ads.
Which is updated more often, Owesy or SubFreeze?
Owesy ships an update every 4 months, and SubFreeze every 3 weeks. Most recently, Owesy was updated on November 2, 2026 and SubFreeze on November 5, 2026.

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