# IOUOI vs Paid

The clearest difference is rating: Paid at 5.0 against IOUOI's 3.6. Paid also leads on update cadence (every 11 days vs every 5 months). IOUOI's advantage is iOS requirement (13.0 vs 15.1). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Paid holds the better App Store score, 5.0 against 3.6. Both are backed by a comparable volume of ratings — 7 and 6 respectively.

IOUOI ships an update every 5 months, Paid every 11 days. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | IOUOI | Paid |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/iouoi/id305255380/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/paid-debt-tracker/id6746135724/reviews)** |
| Number of ratings | **7** | 6 |
| Positive reviews | 70.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 11 days** |
| Monetization | Free | Free |
| Size | 3 MB | 40 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) | [Benjamin Soo](https://appshunter.io/developer/1815330827) |

## 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


### Paid

[App page](https://appshunter.io/ios/app/paid-debt-tracker/id6746135724)

Manage all your debts effortlessly with this intuitive application. It offers one-tap reminders to ensure you never miss a payment and an AI-powered receipt splitter for easy expense division.

**Highlights:** Intuitive debt tracking, One-tap payment reminders, AI Receipt Splitter, Individual and group debts, Recurring debt management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IOUOI free?

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

### Is Paid free?

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

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

Paid is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while Paid averages 5.0 from 6 ratings.

### Do IOUOI or Paid have ads?

Neither IOUOI nor Paid shows ads.

### Which is updated more often, IOUOI or Paid?

IOUOI ships an update every 5 months, and Paid every 11 days. Most recently, IOUOI was updated on October 31, 2026 and Paid on October 30, 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.*