Comparison

lendhelper vs How Much Do I Owe?

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

Head to head
About

lendhelper

Easily track and organize loans, debts, and IOUs between two individuals. This app simplifies splitting rent and bills, allowing you to record debts, categorize them, and settle up at your convenience. It supports over 150 currencies with live exchange rates.

Highlights
  • Track loans and debts
  • Organize IOUs
  • Split rent and bills
  • Categorize debts
  • Currency exchange
  • Support for 150+ currencies
Read full description

straightforward way to track and organize loans/debts/IOUs between two people. share costs with someone, for example, split rent and bills with housemates features: - see who owes who - easy to use - record debts quickly - settle up whenever - categorize debts - currency exchange with live rates - support for >150 currencies - free forever - share with the other person - no confusing group options EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

How Much Do I Owe?

Effortlessly split restaurant bills, including tax and tip, proportionally based on individual order sizes. Ensures fair repayment to the host and prevents over or underpayment. Also useful for itemized shopping receipts and travel expenses.

Highlights
  • Proportional tax and tip splitting
  • Fair bill division based on order size
  • Accurate repayment calculation
  • Tip calculator included
  • Versatile for various expenses
Features
Read full description

When going out with a group to a restaurant, often times one person will pick up the tab (hereafter referred to as "the host") and the rest will have to pay them back. There is often confusion regarding how to split the tax and tip accurately, fairly, and consistently among the group. This app will help you quickly calculate how much of the tax and tip you owe, as well as the amount you need to pay back the host. If everyone in the group uses this app to calculate the amount they owe, this will ensure the host will get paid back correctly, and no one will overpay or underpay. The app uses a formula that allocates tax, tip, and other fees proportionally based on the relative size of your order, which is the fairest way to split bills (as opposed to, for example, splitting the tax and tip evenly across the group, which would result in people who ordered less subsidizing people who ordered more). For example, if the items you bought form 10% of the bill subtotal (price sum of all items bought by everyone, before tax, tip, and other fees), then you would also pay 10% of the tax, tip, and other fees, which amounts to paying 10% of the bill total. The app uses the formula below to help you quickly calculate how much you owe, without relying on a calculator, which reduces mistakes. Amount owed = ( ( your item 1 + your item 2 + your item 3 + ... ) / bill subtotal ) * bill total To make sure everyone is on the same page, tell the group that you will be using this app to calculate the amount you will pay back. You can also use the app for splitting bills other than restaurant bills, like itemized shopping receipts, groceries, travel, and other expenses. The app also provides a tip calculator.

Screenshots

lendhelper4 screens
How Much Do I Owe?2 screens

Verdict

The call

The clearest difference is in-app purchases: How Much Do I Owe? at none against lendhelper's 2. How Much Do I Owe? also leads on update cadence (every 2 days vs every 3 weeks) and ratings volume (10 vs 1). On price, rating, 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. lendhelper sells 2 in-app purchases, starting at $3.99 per month. How Much Do I Owe? asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for lendhelper against 5.0 for How Much Do I Owe?. That said, the two scores are not equally well evidenced: How Much Do I Owe? has 10 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

lendhelper ships an update every 3 weeks, How Much Do I Owe? every 2 days. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard5 real differences · 5 level
lendhelper versus How Much Do I Owe?: the parameters behind the verdict, then further details
ParameterlendhelperHow Much Do I Owe?
PriceFreeFree
Rating5.0 (1 ratings)5.0 (10 ratings)
Positive reviews100.0% of reviews—
Number of ratings110 — better
Update frequencyEvery 3 weeksEvery 2 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.012.0 — better
Further details — not scored
Size87 MB26 MB
Age rating4+4+
DeveloperMax BowdenSharif Doghmi

Customer experience

lendhelper

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

How Much Do I Owe?

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

lendhelper

Subscriptions2
  • LendHelper Plus - Monthly7 Days trial$3.991 Month
  • LendHelper Plus Yearly7 Days trial$30.991 Year
None

How Much Do I Owe?

No in-app purchases

Questions

Is lendhelper free?
lendhelper is free to download, with in-app purchases available.
Is How Much Do I Owe? free?
How Much Do I Owe? is free to download, with no in-app purchases.
Which has better reviews, lendhelper or How Much Do I Owe??
lendhelper and How Much Do I Owe? are both rated 5.0 out of 5 on the App Store, from 1 and 10 ratings respectively.
Do lendhelper or How Much Do I Owe? have ads?
Neither lendhelper nor How Much Do I Owe? shows ads.
Which is updated more often, lendhelper or How Much Do I Owe??
lendhelper ships an update every 3 weeks, and How Much Do I Owe? every 2 days. Most recently, lendhelper was updated on October 24, 2026 and How Much Do I Owe? on October 9, 2026.

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