# IOUOI vs PayUp

The clearest difference is rating: PayUp at 5.0 against IOUOI's 3.6. PayUp also leads on review sentiment (100% vs 70%). IOUOI's advantage is in-app purchases (none vs 3) and iOS requirement (13.0 vs 15.6). On price, ratings volume, ads and device support there is nothing between them.

Both are free to download. PayUp sells 3 in-app purchases, starting at $3.99 per month. IOUOI asks for nothing beyond the download.

PayUp holds the better App Store score, 5.0 against 3.6. Both are backed by a comparable volume of ratings — 7 and 8 respectively. Written reviews point the same way: 70% of IOUOI's written reviews are positive against 100% of PayUp's.

## The numbers

| Metric | IOUOI | PayUp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/iouoi/id305255380/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670/reviews)** |
| Number of ratings | 7 | **8** |
| Positive reviews | 70.3% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | — |
| Monetization | **Free** | Free with in-app purchases |
| Size | 3 MB | 43 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sucheta Khot](https://appshunter.io/developer/1513401365) | [Nick Matthews](https://appshunter.io/developer/1620115375) |

## 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


### PayUp

[App page](https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670)

Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.

**Highlights:** Log debts and IOUs, Track payment history, Split group expenses, Private and secure data, Unlimited records (premium), Attach pictures (premium)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full Access | $3.99 | per month |
| Full Access | $39.99 | per year |
| Lifetime Full Access | $59.99 | one-time |


## Frequently asked questions

### Is IOUOI free?

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

### Is PayUp free?

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

### Which has better reviews, IOUOI or PayUp?

PayUp is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while PayUp averages 5.0 from 8 ratings.

### Do IOUOI or PayUp have ads?

Neither IOUOI nor PayUp shows ads.

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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.*