# 머니가드 vs IOU 아이오유

The clearest difference is in-app purchases: 머니가드 at none against IOU 아이오유's 1. 머니가드 also leads on iOS requirement (13.0 vs 16.6). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. IOU 아이오유 sells 1 one-off in-app purchase. 머니가드 asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for 머니가드 against 5.0 for IOU 아이오유. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

머니가드 ships an update fortnightly, IOU 아이오유 every 9 days. The most recent releases landed on October 2, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | 머니가드 | IOU 아이오유 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/id6449924342/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/iou/id6737295602/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 9 days** |
| Monetization | — | Free with in-app purchases |
| Size | 34 MB | 3 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [머니가드서비스 주식회사](https://appshunter.io/developer/1691040390) | [Three KJ Co., Ltd](https://appshunter.io/developer/1739707519) |

## What reviewers say

### 머니가드

[App page](https://appshunter.io/ios/app/id6449924342)

**Features:** macOS Compatibility

**In-app purchases:** none


### IOU 아이오유

[App page](https://appshunter.io/ios/app/iou/id6737295602)

Easily create legally compliant loan agreements with this app. It offers repayment reminders, certified mail services, and access to legal consultations. Securely record and manage your loan contracts.

**Highlights:** Loan agreement creation, Repayment reminders, Certified mail service, Legal consultation access, Secure contract storage, Intuitive interface

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 10장 | $19.99 | one-time |


## Frequently asked questions

### Is 머니가드 free?

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

### Is IOU 아이오유 free?

IOU 아이오유 is free to download, with in-app purchases available.

### Which has better reviews, 머니가드 or IOU 아이오유?

머니가드 and IOU 아이오유 are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do 머니가드 or IOU 아이오유 have ads?

Neither 머니가드 nor IOU 아이오유 shows ads.

### Which is updated more often, 머니가드 or IOU 아이오유?

머니가드 ships an update fortnightly, and IOU 아이오유 every 9 days. Most recently, 머니가드 was updated on October 2, 2026 and IOU 아이오유 on September 24, 2026.

---

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