Comparison

ECHT Backoffice vs Debt Tracker IOU

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

Head to head
About

ECHT Backoffice

Features
Read full description

The ECHT Backoffice app allows you to manage and approve your invoices, receipts, and payments now even more user friendly on your smartphone: digital, modular, secure. This app is your ideal companion to handle the business related purchase-to-pay cycle of your company on the go or while away from your desk. You need an compatible device with appropriate settings for country or region, the app must be activated for your company, and you have to be a registered ECHT Backoffice user to benefit from this app. ECHT Backoffice app features: • automatic synchronization of the ECHT Backoffice app with your ECHT Backoffice web application • real time monitoring of your invoices and receipts • personal dashboard with warnings: invoices and receipts overdue, imminent cash discount losses, price increases • approval workflow for your invoices, receipts and payments • allocation in invoices • display of account assignment information • last price increasements • adding and displaying invoice attachments • forwarding invoices and receipts by email • access the online archive with all your invoices and receipts • customize your personal settings • Dark mode • Submit expense reimbursements • Receive push notifications for user-related interactions Feedback How do you like your ECHT Backoffice app? Send us your evaluation! Your feedback and your ideas will help us to become even better. About ECHT Backoffice ECHT Backoffice is the innovative e-procurement solution.

About

Debt Tracker IOU

This app helps you track personal loans and debts, ensuring you never forget who owes you money. It offers smart financial insights, payment reminders, and secure local storage for your financial records.

Highlights
  • Track loans and IOUs
  • Smart financial insights
  • Payment reminders
  • Organize by person
  • Add notes and receipts
  • Export data to CSV
  • Local storage and biometric lock
Features
Read full description

Never forget who owes you money again. Khatta Flow is the most intuitive personal ledger and debt manager for anyone who regularly lends or borrows. Whether you are settling small loans with friends or keeping a digital khata book for your shop, Khatta Flow keeps every record precise and organized. NEW — TRACK YOUR DAILY SPENDING Khatta Flow is no longer just for debts. Log your everyday income and expenses alongside your loans and see your full financial picture in one place. - Daily Expense Tracker — record every expense and income entry, automatically sorted into categories like Food & Drink, Transport, Bills, Health and Education. - Quick Add with Back Tap — double-tap the back of your iPhone to log a transaction in seconds, without ever opening the app. - Widgets — keep your To Pay and To Receive balances visible at a glance, right on your screen. - Smarter Reports — new charts, category breakdowns and monthly summaries show you exactly where your money went. WHY CHOOSE KHATTA FLOW - Track loans and IOUs — log every transaction the moment you lend or borrow. - Payment reminders — set custom notifications so a due date never slips past you. - Stay organized — group transactions by person, and attach notes or receipts to any entry. - Multi-currency — keep balances in USD, EUR, GBP and more, each tracked separately. - Professional reporting — export to CSV for Excel, your accountant, or a business partner. PERFECT FOR - Friends splitting bills or tracking shared expenses. - Small business owners who need a reliable debt and credit book. - Anyone ready to retire the paper ledger for a secure digital one. SECURE AND PRIVATE Your financial data is sensitive. Khatta Flow keeps your records on your device and protects them with a biometric app lock. No more forgotten debts. Just complete financial clarity. Terms of Use & EULA: https://docs.google.com/document/d/1gT3g7szuVF_BitDR6KnaHyGCpFDcQRk056kKsli80QE/edit?tab=t.0 Privacy Policy: https://docs.google.com/document/d/1oplMB8vaanZKVyAJv8yURCrc67ypgZB8tL3pZGccJnw/edit?tab=t.0

Screenshots

ECHT Backoffice4 screens
Debt Tracker IOU4 screens

Verdict

The call

The clearest difference is in-app purchases: ECHT Backoffice at none against Debt Tracker IOU's 6. ECHT Backoffice also leads on iOS requirement (16.0 vs 18.0). Debt Tracker IOU's advantage is update cadence (every 6 weeks vs every 3 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. Debt Tracker IOU sells 5 in-app purchases, starting at $0.99 per 7 days. ECHT Backoffice asks for nothing beyond the download.

UpkeepUpdate frequency

ECHT Backoffice ships an update every 3 months, Debt Tracker IOU every 6 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
ECHT Backoffice versus Debt Tracker IOU: the parameters behind the verdict, then further details
ParameterECHT BackofficeDebt Tracker IOU
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.0
Further details — not scored
Size36 MB17 MB
Age rating4+4+
DeveloperECHT Gastro Partner GmbHAniqa Safdar

In-app purchases

None

ECHT Backoffice

No in-app purchases

5 purchases

Debt Tracker IOU

Subscriptions3
  • Weekly Pro3 Days trial$0.997 Days
  • Monthly Pro3 Days trial$2.991 Month
  • Yearly Pro3 Days trial$19.991 Year
One-time2
  • Lifetime Premium2 variants$34.99
  • Lifetime Pro$34.99

Questions

Is ECHT Backoffice free?
ECHT Backoffice is free to download, with no in-app purchases.
Is Debt Tracker IOU free?
Debt Tracker IOU is free to download, with in-app purchases available.
Do ECHT Backoffice or Debt Tracker IOU have ads?
Neither ECHT Backoffice nor Debt Tracker IOU shows ads.
Which is updated more often, ECHT Backoffice or Debt Tracker IOU?
ECHT Backoffice ships an update every 3 months, and Debt Tracker IOU every 6 weeks. Most recently, ECHT Backoffice was updated on November 3, 2026 and Debt Tracker IOU on November 5, 2026.

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