IOUOI vs Owesy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Calculate complicated group tabs
- Split costs evenly among groups
- Add multiple amounts per person
- Minimize settlement transactions
- Calculate restaurant tips
- Quickly input bill details
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | IOUOI | Owesy |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (7 ratings) | 5.0 (12 ratings) — better |
| Positive reviews | 70.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 | 12 — better |
| Update frequency | Every 5 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 3 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | Sucheta Khot | Jacob Loeterman |
Customer experience
IOUOI
Owesy
In-app purchases
IOUOI
No in-app purchases
Owesy
No in-app purchases









