# PayWho vs IOU

The clearest difference is in-app purchases: PayWho at none against IOU's 5. PayWho also leads on iOS requirement (15.0 vs 26.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. IOU sells 5 in-app purchases, starting at $0.99 per month. PayWho asks for nothing beyond the download.

PayWho ships an update every 2 weeks, IOU fortnightly. The most recent releases landed on October 15, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | PayWho | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.4 (17 ratings)](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294/reviews)** |
| Number of ratings | — | **17** |
| Positive reviews | — | 60.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | — | Freemium |
| Size | 74 MB | 53 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Vision Pro |
| Age rating | 4+ | 4+ |
| Developer | [CHIAM JACK KEN](https://appshunter.io/developer/1497455730) | [Eric Agredo](https://appshunter.io/developer/1475112741) |

## What reviewers say

### PayWho

[App page](https://appshunter.io/ios/app/paywho-quick-split-bill/id1497455731)

**Features:** macOS Compatibility

**In-app purchases:** none


### IOU

[App page](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294)

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

**Highlights:** Receipt scanning and itemization, Assign items to individuals, Automatic tax and tip calculation, Per-person total calculation, Eliminates manual bill splitting

**Features:** Family Sharing

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| IOU Pro | $0.99 | per month |
| IOU Pro | $2.99 | per month |
| IOU Pro | $6.99 | per year |
| IOU Pro | $24.99 | per year |
| Lifetime IOU Pro | $29.99 | one-time |


## Frequently asked questions

### Is PayWho free?

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

### Is IOU free?

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

### Do PayWho or IOU have ads?

Neither PayWho nor IOU shows ads.

### Which is updated more often, PayWho or IOU?

PayWho ships an update every 2 weeks, and IOU fortnightly. Most recently, PayWho was updated on October 15, 2026 and IOU on October 11, 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.*