# IOUOI vs Owe Pay

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.

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

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.

## The numbers

| Metric | IOUOI | Owe Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (7 ratings)](https://appshunter.io/ios/app/iouoi/id305255380/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 70.3% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | — |
| Size | 3 MB | 56 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Sucheta Khot](https://appshunter.io/developer/1513401365) | [Yasa Enterprise](https://appshunter.io/developer/1789130343) |

## 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


### Owe Pay

[App page](https://appshunter.io/ios/app/owe-pay/id6746474499)

**Features:** macOS Compatibility

**In-app purchases:** none


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