# IOU vs BillyPay

The clearest difference is update cadence: IOU at fortnightly against BillyPay's every 2 months. BillyPay's advantage is iOS requirement (15.1 vs 26.0). On price, ads, in-app purchases 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 and BillyPay sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

IOU ships an update fortnightly, BillyPay every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | IOU | BillyPay |
| --- | --- | --- |
| 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 | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Freemium | — |
| Size | 53 MB | 40 MB |
| Requires iOS | 26.0 | **15.1** |
| Devices | **iPhone, iPad, Vision Pro** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Eric Agredo](https://appshunter.io/developer/1475112741) | [Kanpitcha Nonnittayanan](https://appshunter.io/developer/1878638845) |

## 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 |


### BillyPay

[App page](https://appshunter.io/ios/app/billypay/id6764778933)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BillyPay Pro Monthly | $1.99 | per month |
| BillyPay Pro Yearly | $11.99 | per year |


## Frequently asked questions

### Is IOU free?

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

### Is BillyPay free?

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

### Do IOU or BillyPay have ads?

Neither IOU nor BillyPay shows ads.

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

IOU ships an update fortnightly, and BillyPay every 2 months. Most recently, IOU was updated on October 24, 2026 and BillyPay on October 24, 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.*