# PayBack vs owed

The clearest difference is in-app purchases: owed at none against PayBack's 1. owed also leads on ratings volume (52 vs 5). PayBack's advantage is update cadence (monthly vs every 3 months) and rating (4.8 vs 4.6). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. PayBack sells 1 one-off in-app purchase. owed asks for nothing beyond the download.

PayBack holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: owed has 52 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 83% of PayBack's written reviews are positive against 69% of owed's.

PayBack ships an update monthly, owed every 3 months. The most recent releases landed on September 9, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | PayBack | owed |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/payback/id294486937/reviews)** | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) |
| Number of ratings | 5 | **52** |
| Positive reviews | **82.9% of reviews** | 68.9% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free | Free |
| Size | 2 MB | 2 MB |
| Requires iOS | 13.0 | **12.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Andrew Cunningham](https://appshunter.io/developer/294486940) | [Josh Gdovin](https://appshunter.io/developer/875672888) |

## What reviewers say

### PayBack

[App page](https://appshunter.io/ios/app/payback/id294486937)

This app helps you easily track and settle shared expenses after group trips. It calculates who owes whom and minimizes the number of transactions needed for everyone to settle up, ensuring friendships remain intact.

**Highlights:** Track shared expenses, Calculate debts automatically, Minimize settlement transactions, Ideal for group trips, User-friendly interface

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Banner Ads | $0.99 | one-time |


### owed

[App page](https://appshunter.io/ios/app/owed/id875672885)

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

**Highlights:** Track multiple debts per person, Use contacts to add people, Set notifications, Send email/SMS reminders, Update contact information, View transaction history

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

**In-app purchases:** none


## Frequently asked questions

### Is PayBack free?

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

### Is owed free?

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

### Which has better reviews, PayBack or owed?

PayBack is rated higher. PayBack averages 4.8 out of 5 from 5 ratings, while owed averages 4.6 from 52 ratings.

### Do PayBack or owed have ads?

Neither PayBack nor owed shows ads.

### Which is updated more often, PayBack or owed?

PayBack ships an update monthly, and owed every 3 months. Most recently, PayBack was updated on September 9, 2026 and owed on September 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.*