# OweMe vs Borrowed

The clearest difference is in-app purchases: Borrowed at none against OweMe's 10. OweMe's advantage is rating (4.7 vs 4.3) and ratings volume (323 vs 4). On price, review sentiment, ads and device support there is nothing between them.

Both are free to download. OweMe sells 10 in-app purchases, starting at $4.99 per 7 days. Borrowed asks for nothing beyond the download.

OweMe holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: OweMe has 323 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 61% of OweMe's written reviews are positive against 63% of Borrowed's, so the app with the better star average is not the one people write more warmly about.

OweMe ships an update every 5 weeks, Borrowed every 4 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | OweMe | Borrowed |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (323 ratings)](https://appshunter.io/ios/app/oweme-debt-tracker/id1497431529/reviews)** | [4.3 (4 ratings)](https://appshunter.io/ios/app/borrowed-track-your-stuff/id1538284368/reviews) |
| Number of ratings | **323** | 4 |
| Positive reviews | 61.1% of reviews | **62.5% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 4 months |
| Monetization | Freemium | **Free** |
| Size | 76 MB | 67 MB |
| Requires iOS | **12.1** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Air Apps Systems](https://appshunter.io/developer/1316153435) | [Thinkaholic](https://appshunter.io/developer/1538284370) |

## What reviewers say

### OweMe

[App page](https://appshunter.io/ios/app/oweme-debt-tracker/id1497431529)

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

**Highlights:** Track who owes you money, Reminders for unpaid debts, Overview of outstanding debts, Unlimited use (PRO), Ad-free experience (PRO)

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Air Apps Pro - 1 Week | $4.99 | per 7 days |
| Air Apps One - 1 Week | $4.99 | per 7 days |
| Air Apps One - 1 Week | $6.99 | per 7 days |
| Air Apps Pro | $9.99 | per month |
| Air Apps One - 1 Week | $9.99 | per 7 days |
| Air Apps One - 1 Week | $12.99 | per 7 days |
| Air Apps One - 1 Week | $12.99 | per 7 days |
| Air Apps One - 1 Month | $19.99 | per month |
| Air Apps Pro - 1 Year | $69.99 | per year |
| Air Apps One - 1 Month | $199.99 | per month |


### Borrowed

[App page](https://appshunter.io/ios/app/borrowed-track-your-stuff/id1538284368)

Easily manage items and money you've lent or borrowed. Features include reminders, statistics, cloud sync, and data export. Keep track of everything shared with friends and family in a simple, secure interface.

**Highlights:** Track money and items, Statistics and insights, Reminders for forgotten items, Automatic cloud sync, Export data to Excel, Simple and secure tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is OweMe free?

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

### Is Borrowed free?

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

### Which has better reviews, OweMe or Borrowed?

OweMe is rated higher. OweMe averages 4.7 out of 5 from 323 ratings, while Borrowed averages 4.3 from 4 ratings.

### Do OweMe or Borrowed have ads?

Neither OweMe nor Borrowed shows ads.

### Which is updated more often, OweMe or Borrowed?

OweMe ships an update every 5 weeks, and Borrowed every 4 months. Most recently, OweMe was updated on November 3, 2026 and Borrowed on November 3, 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.*