# IOUOI vs Owesy

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.

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.

## The numbers

| Metric | IOUOI | Owesy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/iouoi/id305255380/reviews) | **[5.0 (12 ratings)](https://appshunter.io/ios/app/owesy/id1445506292/reviews)** |
| Number of ratings | 7 | **12** |
| Positive reviews | 70.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 3 MB | 28 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Sucheta Khot](https://appshunter.io/developer/1513401365) | [Jacob Loeterman](https://appshunter.io/developer/1445506291) |

## What reviewers say

### IOUOI

[App page](https://appshunter.io/ios/app/iouoi/id305255380)

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:** macOS Compatibility

**In-app purchases:** none


### Owesy

[App page](https://appshunter.io/ios/app/owesy/id1445506292)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*