# OweMe vs Pay Me Back!

The clearest difference is in-app purchases: Pay Me Back! at none against OweMe's 14. Pay Me Back! also leads on rating (5.0 vs 4.7) and review sentiment (75% vs 61%). OweMe's advantage is ads (none vs shown) and ratings volume (323 vs 3). On price and device support there is nothing between them.

Both are free to download. OweMe sells 13 in-app purchases, starting at $4.99 per 7 days. Pay Me Back! asks for nothing beyond the download.

Pay Me Back! holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: OweMe has 323 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 61% of OweMe's written reviews are positive against 75% of Pay Me Back!'s.

OweMe ships an update every 5 weeks, Pay Me Back! every 6 months. The most recent releases landed on October 25, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | OweMe | Pay Me Back! |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (323 ratings)](https://appshunter.io/ios/app/oweme-debt-tracker/id1497431529/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/pay-me-back/id1547165699/reviews)** |
| Number of ratings | **323** | 3 |
| Positive reviews | 61.1% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 5 weeks** | Every 6 months |
| Monetization | Freemium | **Ad-supported** |
| Size | 76 MB | 26 MB |
| Requires iOS | **12.1** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Air Apps Systems](https://appshunter.io/developer/1316153435) | [Fung Yiu Fu](https://appshunter.io/developer/1525085614) |

## 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 (13)**

| 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 Welcome - 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 Month | $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 Year | $69.99 | per year |
| Air Apps One - 1 Month | $199.99 | per month |


### Pay Me Back!

[App page](https://appshunter.io/ios/app/pay-me-back/id1547165699)

Easily track and settle shared expenses with friends. Record event costs and get clear instructions on who owes whom, and how much. You can also mark payments as settled.

**Highlights:** Record event expenses, Calculate who owes whom, Specify payment amounts, Track payment status, Share settlement details

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OweMe free?

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

### Is Pay Me Back! free?

Pay Me Back! is free to download, with no in-app purchases.

### Which has better reviews, OweMe or Pay Me Back!?

Pay Me Back! is rated higher. OweMe averages 4.7 out of 5 from 323 ratings, while Pay Me Back! averages 5.0 from 3 ratings.

### Do OweMe or Pay Me Back! have ads?

Pay Me Back! shows ads; OweMe does not.

### Which is updated more often, OweMe or Pay Me Back!?

OweMe ships an update every 5 weeks, and Pay Me Back! every 6 months. Most recently, OweMe was updated on October 25, 2026 and Pay Me Back! on October 7, 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.*