PayUp vs OweTracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayUp
Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.
- Log debts and IOUs
- Track payment history
- Split group expenses
- Private and secure data
- Unlimited records (premium)
- Attach pictures (premium)
Read full descriptionHide full description
PayUp makes it easy to stay on top of what people owe you — whether it’s that lunch you covered, a concert ticket you booked, or your share of the group trip expenses. No more forgetting who owes what or chasing down payments. Track What You're Owed: Log debts and IOUs from anyone who owes you money. Payment History: See a record of what’s been paid back — and what hasn’t. Split Group Expenses: Easily divide costs and track who owes you their share. Private & Secure: No accounts, no ads — just your data on your device. Some features in PayUp require an in-app purchase, including the ability to store unlimited records, attach pictures to your entries, and access advanced exporting options. These premium tools help you manage and share your payment history more effectively. They borrowed. You remembered. Download PayUp now. This app is licensed under Apple’s standard End User License Agreement (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
OweTracker
Read full descriptionHide full description
OweTracker is your personal finance companion designed to help you keep track of all your personal debts and loans. Whether you lent money to a friend for lunch, split a bill, or borrowed cash, OweTracker ensures you never forget a single transaction. Key Features: • Track who owes you money and who you owe. • Analyze your finances with detailed statistics and charts. • Add detailed notes, dates, and amounts for every transaction. • Secure login and private profile management. • Simple, clean, and intuitive interface. Take control of your personal finances today and never let a forgotten debt ruin a friendship!
Screenshots
Verdict
The clearest difference is in-app purchases: OweTracker at none against PayUp's 3. On price, ads, 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. PayUp sells 3 in-app purchases, starting at $3.99 per month. OweTracker asks for nothing beyond the download.
| Parameter | PayUp | OweTracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | — | Every 8 days |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 43 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Nick Matthews | Artur Smyrnov |
In-app purchases
PayUp
- Full Access$3.991 Month
- Full Access$39.991 Year
- Lifetime Full Access$59.99
OweTracker
No in-app purchases









