# IOU vs Debt Ruthless

The clearest difference is in-app purchases: Debt Ruthless at none against IOU's 5. Debt Ruthless also leads on iOS requirement (16.4 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. Debt Ruthless asks for nothing beyond the download.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 24, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | IOU | Debt Ruthless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (18 ratings)](https://appshunter.io/ios/app/iou-split-receipts-and-expense/id1589968294/reviews)** | — |
| Number of ratings | **18** | — |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Freemium | — |
| Size | 53 MB | 69 MB |
| Requires iOS | 26.0 | **16.4** |
| Devices | **iPhone, iPad, Vision Pro** | iPhone, iPad |
| Age rating | 4+ | 9+ |
| Developer | [Eric Agredo](https://appshunter.io/developer/1475112741) | [Marcin Miazga](https://appshunter.io/developer/1468755917) |

## What reviewers say

### 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 |


### Debt Ruthless

[App page](https://appshunter.io/ios/app/debt-ruthless/id6761619988)

**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 Debt Ruthless free?

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

### Do IOU or Debt Ruthless have ads?

Neither IOU nor Debt Ruthless shows ads.

### Which is updated more often, IOU or Debt Ruthless?

IOU ships an update fortnightly, and Debt Ruthless fortnightly. Most recently, IOU was updated on October 24, 2026 and Debt Ruthless on October 6, 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.*