Comparison

Checkbook vs You Owe

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Checkbook

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Highlights
  • Multiple account tracking
  • Recurring transaction saving
  • Fund transfers between accounts
  • Export data in CSV, QIF, HTML
  • Calendar view of transactions
  • Reports and charts for expenses/income
  • Passcode protection
Features
Currently charting
Read full description

An easy & quick way to manage your daily finances, Checkbook keeps track of your credit card charges, cash expenditures...etc. With the Checkbook application, it can totally replace your paper checkbook. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data...etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook are well designed to provide an excellent experience. Designed and developed by polycents! FEATURES ※Export in CSV, QIF & HTML Formats -Export your transactions by email for use of desktop applications such as Excel, Quicken...etc. ※Calendar -Show all your monthly transactions as points on the calendar. -Filter transactions by tapping a date or selecting multiple dates on the calendar. ※Recurring Transactions -Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. ※Multiple Accounts -Track as many accounts as you need. ※Categories -Supports multiple categories with beautiful icons to choose from. ※Payee & Note -All the details you need to keep track of your transactions are including. ※Search -Quickly search for transactions by dates, name, payee, and category. -Search and edit transactions on the same screen. ※Transfer -Transfer funds from one account to another. ※Reconcile Transactions -Reconcile your transactions by editing cleared/un-cleared status ※Reports & Charts -Review all your expenses & income by category or account with beautiful graphs and reports. -Supports both bar and pie charts. -You can set the time period to daily, weekly, monthly & yearly. ※Passcode -Protects your private information. ※Currency -Supports multiple currencies. ※Elegant, Powerful & User-friendly interface # Subscription Details # - Monthly and annual subscriptions are available. - Payment will be charged to your iTunes account at confirmation of purchase. - Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period. - Automatic renewals will be charged at the same price you were originally charged for the subscription. - Subscriptions can be managed by going to Account Settings on the App Store after purchase. Terms of Use: https://www.iubenda.com/terms-and-conditions/42835851 Privacy Policy: https://www.iubenda.com/privacy-policy/42835851 Developer website:https://www.polycents.com If you have any problems or suggestions please send a mail to checkbook@appxy.com, you will get the response in a short time.

About

You Owe

Features
Read full description

Stop doing mental math in group chats. You Owe is the calm, clear way to track shared expenses and paybacks with friends, so you always know who owes what, and nothing gets “lost” in a long message thread. It’s an intuitive expense tracker for everyday life, from dinners to trips. REAL TIME, REAL CLARITY When someone logs a transaction on a shared ledger, the other person sees it right away. Balances and history update live. No refresh dance, no “did you add that yet?”. You’re both looking at the same truth, immediately. WHY YOU OWE • One place for every shared money story. Trips, roommates, or any shared expenses. • Balances that update as you log things. No spreadsheets, no awkward “remind me what we decided?” moments. • Built for real life: expenses when someone pays upfront, and paybacks when someone settles up. So tracking money owed is simple and clear. • Works as a lightweight debt tracker for everyday situations between friends. HOW IT WORKS • Create a shared ledger for you and a friend. • Log expenses with optional split percentages so the balance reflects each person’s share. Perfect as a simple bill splitter. • Record paybacks when money changes hands. Without treating it like a new purchase. • Invite and connect quickly with QR codes. Get on the same page in seconds. SEE THE FULL PICTURE • A transactions log you can search and filter. Find that one dinner in seconds. • A visual timeline with running totals. Perfect when you want the story, not just the number. • An audit log of ledger changes when you want accountability and clarity. WORKS GREAT FREE. GO PRO WHEN YOU’RE ALL-IN. Start free and upgrade if you need more shared ledgers and heavier monthly logging. Here’s the part people love: on a shared ledger, only one of you needs Pro, your partner benefits too. Cancel anytime. Download You Owe and make “who owes what?” a solved problem. Not a recurring argument. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Checkbook4 screens
You Owe4 screens

Verdict

The call

The clearest difference is ads: You Owe at none against Checkbook's shown. Checkbook's advantage is chart position (#135 vs unranked) and iOS requirement (13.0 vs 15.1). 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. Checkbook sells 5 in-app purchases, starting at $0.99 per month and You Owe sells 1 in-app purchase, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

Scorecard3 real differences · 8 level
Checkbook versus You Owe: the parameters behind the verdict, then further details
ParameterCheckbookYou Owe
PriceFreeFree
Rating4.3 (14K ratings) — better—
Positive reviews55.9% of reviews—
Number of ratings14K — better—
Update frequencyEvery 6 weeks—
AdsYesNo — better
In-app purchasesYesYes
MonetizationSubscription—
Best chart rank#135 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size122 MB54 MB
Age rating4+4+
DeveloperBeesoft AppsLODGINO LTD

Bugs and requests

Checkbook

Reported bugs

4 issues
  • Account balances not updating correctly
  • Transactions disappearing or duplicating
  • Sync issues between devices
  • App crashes or freezes after updates

Requested features

5 requests
  • Custom categories and icons
  • Budgeting and forecasting tools
  • Ability to attach receipts/photos
  • Improved account organization options
  • Automatic balance reconciliation

You Owe

Not enough reviews yet to summarise bugs or requests.

In-app purchases

5 purchases

Checkbook

Subscriptions4
  • Premium - 1 Month$0.991 Month
  • Premium - 1 Year7 Days trial$7.991 Year
  • Premium - 1 Year7 Days trial$8.991 Year
Show 1 more
  • Premium - 1 Year7 Days trial$9.991 Year
One-time1
  • Upgrade to Checkbook Pro$9.99
1 purchases

You Owe

Subscriptions1
  • Pro$5.991 Month

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is You Owe free?
You Owe is free to download, with in-app purchases available.
Do Checkbook or You Owe have ads?
Checkbook shows ads; You Owe does not.

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