# Debtors list Lite vs IOU

The clearest difference is rating: IOU at 5.0 against Debtors list Lite's 4.0. IOU also leads on ads (none vs shown) and update cadence (every 2 weeks vs every 3 months). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Debtors list Lite sells 1 one-off in-app purchase 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.

IOU holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively.

Debtors list Lite ships an update every 3 months, IOU every 2 weeks. The most recent releases landed on November 7, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Debtors list Lite | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/debtors-list-lite/id1661634205/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews)** |
| Number of ratings | 1 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 18 MB | 13 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Vladyslav Lytvynets](https://appshunter.io/developer/1660079103) | [MASON QULIZADA](https://appshunter.io/developer/1869718916) |

## What reviewers say

### Debtors list Lite

[App page](https://appshunter.io/ios/app/debtors-list-lite/id1661634205)

Easily track who owes you money and whom you owe without complex spreadsheets. Record debts, partial payments, and settled amounts with a clean, intuitive interface. Securely lock your financial records with biometric authentication.

**Highlights:** Add debts in seconds, Record partial repayments, Mark debts as settled, Net balance overview, Multi-currency support, Biometric app lock

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium version | $9.99 | one-time |


### 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 Debtors list Lite free?

Debtors list Lite 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, Debtors list Lite or IOU?

IOU is rated higher. Debtors list Lite averages 4.0 out of 5 from 1 ratings, while IOU averages 5.0 from 4 ratings.

### Do Debtors list Lite or IOU have ads?

Debtors list Lite shows ads; IOU does not.

### Which is updated more often, Debtors list Lite or IOU?

Debtors list Lite ships an update every 3 months, and IOU every 2 weeks. Most recently, Debtors list Lite was updated on November 7, 2026 and IOU on November 9, 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.*