# IOU vs SmartFinance Tools

The clearest difference is in-app purchases: SmartFinance Tools at none against IOU's 2. SmartFinance Tools also leads on ads (none vs shown). IOU's advantage is iOS requirement (15.6 vs 18.6). On price and device support there is nothing between them.

Both are free to download. IOU sells 2 in-app purchases, starting at $3.99 per month. SmartFinance Tools asks for nothing beyond the download.

## The numbers

| Metric | IOU | SmartFinance Tools |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (2 ratings)](https://appshunter.io/ios/app/iou-money/id1557082693/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | — |
| Monetization | Free with in-app purchases | — |
| Size | 32 MB | 1 MB |
| Requires iOS | **15.6** | 18.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Nikesh Shakya](https://appshunter.io/developer/1706815426) | [Pedro Fuertes](https://appshunter.io/developer/1891002682) |

## What reviewers say

### IOU

[App page](https://appshunter.io/ios/app/iou-money/id1557082693)

Effortlessly manage your finances with this comprehensive budgeting and expense tracking app. Monitor spending, track debts and credits, and gain insights into your financial health with detailed reports and customizable features.

**Highlights:** Comprehensive expense tracking, Debt and credit management, Multiple currency support, Income and expense reports, Automatic report generation, Customizable manual updates, Loan tracking between friends/family

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $19.99 | per year |


### SmartFinance Tools

[App page](https://appshunter.io/ios/app/smartfinance-tools/id6761704062)

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

**In-app purchases:** none


## Frequently asked questions

### Is IOU free?

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

### Is SmartFinance Tools free?

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

### Do IOU or SmartFinance Tools have ads?

IOU shows ads; SmartFinance Tools does not.

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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.*