Comparison

IOUOI vs Owesy

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IOUOI

Easily track all your borrowing and lending activities for both money and items. Assign monetary values, organize by category, and manage payments with due dates and reminder emails. Keep a history of all past transactions.

Highlights
  • Track money and item borrowings/lendings
  • Assign monetary value to items
  • Organize by category
  • Close entries upon return
  • Password protection
  • Send reminder emails
  • Due date support
Features
Read full description

IOU | UOI - I Owe U Owe I Do you remember who borrowed your boxed DVD set of "Godfather"? Or, who took your copy of "Da Vinci Code" that you had to stand in line for an hour to be autographed by Dan Brown? How about the missing shovel - was that next door Joe or Mike who lives across the street? IOUOI is unlike any other application on the App Store - its lets you easily track all your borrowing and lending activities. - Follow me on Twitter @pixelround Features -- Basic Functions -- - Track all your borrowings and lendings - both money and items. - Assign monetary value to items borrowed/loaned. - Organize borrowings/lendings into categories for easy organization. - Close an entry once the person returns the item - keeps track of all old borrowing/lending activities. - Easy numeric entry -- Options -- - Password Protection with Forgot password reset support - Badge support for overdue, due soon entries - Color themes with millions of themes from colourlovers.com -- Management Functions -- - Track payments - Ability to send reminder emails with the tap of a button. - Due date support - List of recent contacts in Add/Edit dialog Others - Other eye-candy animations - Performance, Memory usage improvements - Now able to work with Exchange and Mobile Me contacts --------- All that and still free free free --------- ------- Coming up in upcoming versions - FTP Backup/Restore - Paypal integration - Facebook integration - Due Date/Close Date/Create Data Calendar IOUOI - a perfect solution to life's conundrums of borrowing and lending!! ----Help---- If you can help us with the translations for your language please contact us at support@proximux.com. Please do not post negative reviews. Contact me instead using http://www.proximux.com/iouoi/support. This application takes a lot more effort than iFart, Fart for Free and such gimmicky applications. A little encouragement would go a long way.

About

Owesy

Easily calculate shared expenses and group bills among friends. This app simplifies splitting costs for trips, dinners, and other group activities, ensuring everyone pays their fair share with minimal transactions.

Highlights
  • Calculate complicated group tabs
  • Split costs evenly among groups
  • Add multiple amounts per person
  • Minimize settlement transactions
  • Calculate restaurant tips
  • Quickly input bill details
Features
Read full description

Have you ever gone away for the weekend with friends where everyone has paid different amounts – one person paid for the car rental, someone paid for the groceries, etc. – and then at the end of the weekend you're all trying to figure out who owes who what in order to settle evenly among everyone? Or did you go to dinner with friends and everyone is trying to figure out how much to put down and tip based on what they ordered? Owesy can do these two types of calculations with fast and easy inputs from you: 1. Complicated group tabs where everyone's paid amounts are meant to be split evenly by the group. Just enter everyone's names and amounts paid (you can add multiple amounts per person) and see who owes who what to settle evenly. Does this in the least number of transactions, no big! There are awards too ;) 2. Restaurant tipping. Quickly put in the bill's details and how much you're tipping and voila! The suggested way to pay appears. Owesy what you must! But paysy as you wish.

Screenshots

IOUOI4 screens
Owesy4 screens

Verdict

The call

The clearest difference is rating: Owesy at 5.0 against IOUOI's 3.6. Owesy also leads on review sentiment (100% vs 70%). IOUOI's advantage is iOS requirement (13.0 vs 15.1). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Owesy holds the better App Store score, 5.0 against 3.6. Both are backed by a comparable volume of ratings — 7 and 12 respectively. Written reviews point the same way: 70% of IOUOI's written reviews are positive against 100% of Owesy's.

UpkeepUpdate frequency

IOUOI ships an update every 5 months, Owesy every 4 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
IOUOI versus Owesy: the parameters behind the verdict, then further details
ParameterIOUOIOwesy
PriceFreeFree
Rating3.6 (7 ratings)5.0 (12 ratings) — better
Positive reviews70.3% of reviews100.0% of reviews — better
Number of ratings712 — better
Update frequencyEvery 5 monthsEvery 4 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.1
Further details — not scored
Size3 MB28 MB
Age rating4+4+
DeveloperSucheta KhotJacob Loeterman

Customer experience

IOUOI

All ratings7 ratings
Positive57.1%
Neutral14.3%
Negative28.6%
Written reviews101 reviews
Positive70.3%
Neutral10.9%
Negative18.8%

Owesy

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

IOUOI

No in-app purchases

None

Owesy

No in-app purchases

Questions

Is IOUOI free?
IOUOI is free to download, with no in-app purchases.
Is Owesy free?
Owesy is free to download, with no in-app purchases.
Which has better reviews, IOUOI or Owesy?
Owesy is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while Owesy averages 5.0 from 12 ratings.
Do IOUOI or Owesy have ads?
Neither IOUOI nor Owesy shows ads.
Which is updated more often, IOUOI or Owesy?
IOUOI ships an update every 5 months, and Owesy every 4 months. Most recently, IOUOI was updated on October 23, 2026 and Owesy on October 24, 2026.

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