MoDebt vs OweTrack

MoDebt is a simple way to track who owes you money and who you owe.

OweTrack is a lightweight IOU tracker for friends and family. Keep track of who owes whom, record repayments, and see what remains to be paid. Use it when someone covers dinner, tickets, travel, rent, or a shared purchase. Your ledger is stored on your iPhone, with no account, analytics, or tracking. Features: - Create IOUs with a title, borrower, lender, amount, optional due date and reminder, and notes - Add, edit, and delete repayments; see remaining balances and payment history - See active, overdue, and paid-off IOUs - Search titles, people, and notes; filter by status and sort by date, balance, or title - Archive paid-off IOUs and retrieve them with the Archived filter - Schedule local reminders when saving a new IOU with a future reminder date; change or cancel reminders and check their status - Share a repayment summary or your complete ledger as plain text - Export CSV with IOUs and payment history, including archived IOUs - Optionally require Face ID or your device passcode to open the app - Save JSON backups through Files and preview missing IOUs before restoring them Restoring a backup keeps existing IOUs unchanged. Restored reminder dates do not automatically schedule notifications. Backups are manual; OweTrack does not sync your ledger between devices. You choose where shared text and exported files go, including any cloud file provider you select. CSV and backup files are not encrypted by OweTrack. App Lock protects the app screen, not exported files or notification previews. OweTrack does not process payments, move money, or connect to banks. It is a simple ledger for recording IOUs and repayments.