Comparison

iOweYou vs owed +

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

Head to head
About

iOweYou

Features
Read full description

Making Debt Tracking Fun and Easy! Managing debts has never been this fun and hassle-free! With iOweYou, you can easily keep track of what you owe and what you’re owed. Whether it's splitting rent with roommates, tracking shared expenses with friends, or just remembering who bought dinner last time, iOweYou has got you covered. Create and join contracts with friends to keep everything transparent and organized. Add new deals with just a few taps, and let your friends approve or dispute them. When it’s time to settle up, simply choose the statement period and get everything squared away with ease. And don’t worry about losing track – all your past statements are archived and accessible whenever you need them. iOweYou is your go-to app for managing debts, ensuring that you never miss a payment and always stay on top of your finances. Download now and take the stress out of debt tracking!

About

owed +

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
Read full description

Introducing the All-New Owed+ App Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable. What's New: Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop. Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly. Request Money in Seconds – Send payment requests directly via text message for Apple Pay, PayPal, and Venmo. No more awkward conversations or forgotten debts – tap, text, and get paid. Make It Yours – Personalize your experience by selecting from multiple app icon designs that match your style. Meet Gus, Your Helpful Guide – Say hello to Gus, our friendly pig mascot! Gus is here to walk you through the new app, share helpful tips, and make getting started a breeze. Whether you're new to Owed+ or returning to explore all the improvements, Gus has got your back. The new Owed+ app isn't just an update – it's a complete transformation designed to make tracking who owes what simpler, faster, and more accessible than ever before.

Screenshots

iOweYou4 screens
owed +4 screens

Verdict

The call

The clearest difference is price: iOweYou at Free against owed +'s $0.99. owed +'s advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 2 months). On in-app purchases, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

iOweYou ships an update every 2 months, owed + every 2 weeks. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
iOweYou versus owed +: the parameters behind the verdict, then further details
ParameteriOweYouowed +
PriceFree — better$0.99
Rating—5.0 (7 ratings) — better
Positive reviews—55.6% of reviews
Number of ratings—7 — better
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNoNo
Monetization—Paid
DevicesiPhoneiPhone, iPad — better
Requires iOS17.6 — better18.0
Further details — not scored
Size22 MB25 MB
Age rating4+17+
DeveloperNikolai NobadiJosh Gdovin

In-app purchases

None

iOweYou

No in-app purchases

None

owed +

No in-app purchases

Questions

Is iOweYou free?
iOweYou is free to download, with no in-app purchases.
Is owed + free?
owed + costs $0.99, with no in-app purchases.
Do iOweYou or owed + have ads?
iOweYou shows ads; owed + does not.
Which is updated more often, iOweYou or owed +?
iOweYou ships an update every 2 months, and owed + every 2 weeks. Most recently, iOweYou was updated on October 25, 2026 and owed + on October 30, 2026.

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