How Much Do I Owe? vs Craify
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
How Much Do I Owe?
Effortlessly split restaurant bills, including tax and tip, proportionally based on individual order sizes. Ensures fair repayment to the host and prevents over or underpayment. Also useful for itemized shopping receipts and travel expenses.
- Proportional tax and tip splitting
- Fair bill division based on order size
- Accurate repayment calculation
- Tip calculator included
- Versatile for various expenses
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When going out with a group to a restaurant, often times one person will pick up the tab (hereafter referred to as "the host") and the rest will have to pay them back. There is often confusion regarding how to split the tax and tip accurately, fairly, and consistently among the group. This app will help you quickly calculate how much of the tax and tip you owe, as well as the amount you need to pay back the host. If everyone in the group uses this app to calculate the amount they owe, this will ensure the host will get paid back correctly, and no one will overpay or underpay. The app uses a formula that allocates tax, tip, and other fees proportionally based on the relative size of your order, which is the fairest way to split bills (as opposed to, for example, splitting the tax and tip evenly across the group, which would result in people who ordered less subsidizing people who ordered more). For example, if the items you bought form 10% of the bill subtotal (price sum of all items bought by everyone, before tax, tip, and other fees), then you would also pay 10% of the tax, tip, and other fees, which amounts to paying 10% of the bill total. The app uses the formula below to help you quickly calculate how much you owe, without relying on a calculator, which reduces mistakes. Amount owed = ( ( your item 1 + your item 2 + your item 3 + ... ) / bill subtotal ) * bill total To make sure everyone is on the same page, tell the group that you will be using this app to calculate the amount you will pay back. You can also use the app for splitting bills other than restaurant bills, like itemized shopping receipts, groceries, travel, and other expenses. The app also provides a tip calculator.
Craify
Easily track personal debts and shared expenses with this free, intuitive application. It simplifies managing who owes what, perfect for loans, payments, and group outings. Enjoy real-time updates and support for all currencies in a clean, private interface.
- Track debts and credits
- Automatic contacts sync
- Group expenses management
- Real-time updates
- Supports all currencies
- Transaction history
- Intuitive interface with themes
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Craify is the ideal solution for anyone looking for a reliable, free, and easy-to-use app to manage personal debts and expenses. Perfect for monitoring loans and payments, Craify always keeps you aware of who owes what. Forget confusing calculations and endless lists: just enter the amounts and the app does the rest! Main Features: • Track debts and credits: Organize and monitor your balances easily, with all transactions in one place. • Automatic contacts sync: Add debts and expenses with friends, family, and colleagues. As soon as your contacts download the App they’ll see their balance with you! • Privacy guaranteed: Your data is safe with us, we won’t share it with anyone else. • Group expenses management: Ideal for trips, dinners, and other shared situations. Splitting the bill has never been so simple. • Real time updates: Notifications whenever someone adds a new debt, expense or payment with you. • Supports all currencies: Manage debts in local and international currencies. • Transaction history: View past transactions to stay updated and get a complete overview. • Intuitive and effective interface:A clean layout for a simple, minimalist experience. There’re many themes to choose from, not just the classic light/dark theme! Choosing Craify means opting for an debts management tool that’s truly easy to use and accessible to everyone. With its intuitive interface, you can track your debts and credits quickly, and effortlessly. Plus, Craify guarantees privacy and confidentiality: all your information stays private with no unwanted sharing. The clean, minimalist design makes the experience even more pleasant and practical, designed for anyone seeking a straightforward, functional way to organize their finances.
Screenshots
Verdict
The clearest difference is in-app purchases: How Much Do I Owe? at none against Craify's 1. How Much Do I Owe? also leads on ads (none vs shown) and update cadence (every 2 days vs every 2 months). On price, rating, device support and iOS requirement 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
Both are free to download. Craify sells 1 one-off in-app purchase. How Much Do I Owe? asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for How Much Do I Owe? against 5.0 for Craify. That said, the two scores are not equally well evidenced: How Much Do I Owe? has 10 ratings behind it against 1, so its average is the more settled of the two.
How Much Do I Owe? ships an update every 2 days, Craify every 2 months. The most recent releases landed on October 9, 2026 and October 15, 2026 respectively.
| Parameter | How Much Do I Owe? | Craify |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (10 ratings) | 5.0 (1 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 10 — better | 1 |
| Update frequency | Every 2 days — better | Every 2 months |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 26 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | Sharif Doghmi | Alex Bottani |
Customer experience
How Much Do I Owe?
Craify
In-app purchases
How Much Do I Owe?
No in-app purchases
Craify
- Premium$1.99









