Comparison

IOUOI vs Owe Pay

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

Owe Pay

Features
Read full description

OwePay – Personal Loan Tracking Made Simple OwePay helps you record, track, and manage personal loans between people who already trust each other. Whether you lend money to a friend or borrow from someone you know, OwePay keeps everything organized in one place — from loan amounts and repayment schedules to confirmations and reminders. Key Features: Record loans given or received Send confirmation links to acknowledge received amounts ‎Read more

Screenshots

IOUOI4 screens
Owe Pay4 screens

Verdict

The call

The clearest difference is ads: IOUOI at none against Owe Pay's shown. IOUOI also leads on iOS requirement (13.0 vs 15.6). Owe Pay's advantage is update cadence (every 2 months vs every 5 months). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

IOUOI ships an update every 5 months, Owe Pay every 2 months. The most recent releases landed on October 23, 2026 and October 11, 2026 respectively.

Scorecard3 real differences · 7 level
IOUOI versus Owe Pay: the parameters behind the verdict, then further details
ParameterIOUOIOwe Pay
PriceFreeFree
Rating3.6 (7 ratings) — better—
Positive reviews70.3% of reviews—
Number of ratings7 — better—
Update frequencyEvery 5 monthsEvery 2 months — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.6
Further details — not scored
Size3 MB56 MB
Age rating4+4+
DeveloperSucheta KhotYasa Enterprise

In-app purchases

None

IOUOI

No in-app purchases

None

Owe Pay

No in-app purchases

Questions

Is IOUOI free?
IOUOI is free to download, with no in-app purchases.
Is Owe Pay free?
Owe Pay is free to download, with no in-app purchases.
Do IOUOI or Owe Pay have ads?
Owe Pay shows ads; IOUOI does not.
Which is updated more often, IOUOI or Owe Pay?
IOUOI ships an update every 5 months, and Owe Pay every 2 months. Most recently, IOUOI was updated on October 23, 2026 and Owe Pay on October 11, 2026.

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