# Depty vs IOU

The clearest difference is monetization model: Depty at free against IOU's freemium. Depty also leads on iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Depty sells 1 in-app purchase, starting at $0.99 per month and IOU sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Depty against 5.0 for IOU. Both are backed by a comparable volume of ratings — 2 and 4 respectively.

Depty ships an update fortnightly, IOU every 2 weeks. The most recent releases landed on October 19, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Depty | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/depty-split-bills-and-debts/id1632647489/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews) |
| Number of ratings | 2 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | **Free** | Freemium |
| Size | 68 MB | 13 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | +4 | 4+ |
| Developer | [SINHRONE SP. Z O.O.](https://appshunter.io/developer/1619782114) | [MASON QULIZADA](https://appshunter.io/developer/1869718916) |

## What reviewers say

### Depty

[App page](https://appshunter.io/ios/app/depty-split-bills-and-debts/id1632647489)

Manage shared expenses and debts with an intuitive interface. Supports multiple currencies and integrates with your contacts for easy communication and tracking. All features are free to use.

**Highlights:** Intuitive interface, Multicurrency support, Group expense splitting, In-app chat for debt management, Contact integration via QR code

**Features:** Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $0.99 | per month |


### IOU

[App page](https://appshunter.io/ios/app/iou-owetracker/id6757933178)

Easily track money lent, borrowed, and owed without spreadsheets. Manage personal debts, shared expenses, and recurring bills with clear overviews of balances and payment history. Log payments instantly and stay organized with automatic tracking for monthly charges.

**Highlights:** Track money lent, borrowed, and owed, Filter debts owed to you vs. money you owe, View balances, payment history, and upcoming charges, Log partial or full payments instantly, Automatically track recurring bills and subscriptions, Private and ad-free financial tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OweTracker Pro – Monthly | $1.99 | per month |
| OweTracker Pro | $17.99 | per year |
| OweTracker Pro – Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is Depty free?

Depty 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, Depty or IOU?

Depty and IOU are both rated 5.0 out of 5 on the App Store, from 2 and 4 ratings respectively.

### Do Depty or IOU have ads?

Neither Depty nor IOU shows ads.

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

Depty ships an update fortnightly, and IOU every 2 weeks. Most recently, Depty was updated on October 19, 2026 and IOU on October 21, 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.*