# PayStream vs owed +

The clearest difference is price: PayStream at Free against owed +'s $0.99. PayStream also leads on iOS requirement (9.0 vs 18.0). owed +'s advantage is update cadence (every 2 weeks vs every 3 months). On review sentiment, ads, in-app purchases and device support there is nothing between them.

PayStream is free to download; owed + costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

PayStream ships an update every 3 months, owed + every 2 weeks. The most recent releases landed on October 7, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | PayStream | owed + |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | — | **[4.4 (7 ratings)](https://appshunter.io/ios/app/owed-plus/id6752716669/reviews)** |
| Number of ratings | — | **7** |
| Positive reviews | 46.7% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Paid |
| Size | 34 MB | 25 MB |
| Requires iOS | **9.0** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [PayStream](https://appshunter.io/developer/541569321) | [Josh Gdovin](https://appshunter.io/developer/875672888) |

## What reviewers say

### PayStream

[App page](https://appshunter.io/ios/app/paystream/id541569318)

Easily manage your expenses on the go. Enter mileage, receipted, and other expenses quickly. Upload photos of receipts directly from your camera or camera roll.

**Highlights:** Enter mileage expenses, Record receipted expenses, Add other expense types, Upload receipts via camera, Upload receipts from camera roll, Convenient on-the-move entry

**In-app purchases:** none


### owed +

[App page](https://appshunter.io/ios/app/owed-plus/id6752716669)

Easily track and settle debts with a modern, user-friendly interface. Send payment requests via text for popular payment apps and personalize your experience with custom icons. A helpful guide is available to assist you.

**Highlights:** Cross-platform access, Enhanced visibility with color palettes, Request money via text message, Personalize app icon, Helpful guide mascot

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayStream free?

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

### Is owed + free?

owed + costs $0.99, with no in-app purchases.

### Do PayStream or owed + have ads?

Neither PayStream nor owed + shows ads.

### Which is updated more often, PayStream or owed +?

PayStream ships an update every 3 months, and owed + every 2 weeks. Most recently, PayStream was updated on October 7, 2026 and owed + on October 15, 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.*