Comparison

IOU vs IOU

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

Head to head
About

IOU

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
Read full description

IOU is the easiest way to scan receipts, itemize every purchase, and split group expenses accurately. Split what everyone actually ordered—no spreadsheets, no mental math, no awkward follow-ups. SCAN RECEIPTS. ASSIGN ITEMS. DONE. Take a photo of any receipt and IOU will automatically extract items, prices, and totals. Then tap through and assign each item to the right person. Perfect for dinners, trips, and shared purchases where everyone orders something different. ACCURATE SPLITS, EVEN INTERNATIONALLY Split expenses using items, equal splits, percentages, or exact amounts. IOU supports foreign currencies with real-world exchange accuracy using actual credit card charge rates. Region-aware calculations ensure tax and tip are handled correctly wherever you are. BUILT FOR GROUP EXPENSES Create groups for trips, dinners, roommates, and more. Customize groups with photos or curated artwork. Track all expenses in one place and view group insights and spending breakdowns. Settle up easily with Venmo & CashApp. POWERFUL RECEIPT FEATURES * Scan and automatically itemize receipts * Works with foreign receipts and translations * Assign items to individuals one by one * Upload and store receipts within groups * Share a clean breakdown with your group FLEXIBLE AND ORGANIZED * Import existing expenses from other apps * Export your data as CSV or PDF * Adjust settings based on your region * Customize the app with your preferred accent color WHY IOU MOST APPS SPLIT TOTALS. IOU SPLITS WHAT ACTUALLY HAPPENED. No more overpaying. No more chasing people. Just accurate, transparent group expenses. Terms of condition: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

IOU

Effortlessly split bills, track shared expenses, and manage group finances. This app simplifies tracking who owes what, organizing costs by group, and sending payment reminders. Perfect for roommates, friends, and families to avoid awkward money conversations.

Highlights
  • Smart bill splitting
  • Receipt scanning
  • Expense tracking
  • Group management
  • Payment reminders
  • Real-time sync
Features
Read full description

The ultimate app for splitting bills, tracking shared expenses, and managing group finances with friends, roommates, and family. Key Features: Smart Bill Splitting - Easily split bills between multiple people Receipt Scanner - Automatically extract expense details from photos Expense Tracking - Keep track of who owes what Group Management - Organize expenses by groups or events Payment Reminders - Never forget to collect what you're owed Real-time Sync - All group members stay updated instantly Perfect for: Roommates sharing rent and utilities Friends splitting dinner bills and trips Couples managing household expenses Group events and celebrations Business expense sharing Travel cost splitting Why IOU? Stop the "I'll pay you back later" conversations. IOU makes it simple to track, split, and settle expenses with anyone. No more forgotten debts or awkward money conversations. Download IOU today and make splitting bills effortless! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOU4 screens
IOU4 screens

Verdict

The call

The clearest difference is rating: IOU at 5.0 against IOU's 4.4. IOU also leads on review sentiment (100% vs 60%) and iOS requirement (15.1 vs 26.0). IOU's advantage is ratings volume (17 vs 1). On price, ads, in-app purchases and monetization model 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. IOU sells 5 in-app purchases, starting at $0.99 per month and IOU sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

IOU holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: IOU has 17 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 60% of IOU's written reviews are positive against 100% of IOU's.

Scorecard4 real differences · 6 level
IOU versus IOU: the parameters behind the verdict, then further details
ParameterIOUIOU
PriceFreeFree
Rating4.4 (17 ratings)5.0 (1 ratings) — better
Positive reviews60.0% of reviews100.0% of reviews — better
Number of ratings17 — better1
Update frequencyFortnightly—
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Vision Pro — betteriPhone, iPod
Requires iOS26.015.1 — better
Further details — not scored
Size53 MB66 MB
Age rating4+4+
DeveloperEric Agredokai Lee

Customer experience

IOU

All ratings17 ratings
Positive76.5%
Neutral17.6%
Negative5.9%
Written reviews10 reviews
Positive60.0%
Neutral30.0%
Negative10.0%

IOU

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

5 purchases

IOU

Subscriptions4
  • IOU Pro3 Days trial$0.991 Month
  • IOU Pro$2.991 Month
  • IOU Pro7 Days trial$6.991 Year
Show 1 more
  • IOU Pro7 Days trial$24.991 Year
One-time1
  • Lifetime IOU Pro$29.99
2 purchases

IOU

Subscriptions2
  • Unlimited monthly access$2.991 Month
  • Unlimited annual access$19.991 Year

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is IOU free?
IOU is free to download, with in-app purchases available.
Which has better reviews, IOU or IOU?
IOU is rated higher. IOU averages 4.4 out of 5 from 17 ratings, while IOU averages 5.0 from 1 ratings.
Do IOU or IOU have ads?
Neither IOU nor IOU shows ads.

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