Comparison

Owe vs Debt Tracker

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

Head to head
About

Owe

This app helps you manage personal finances by tracking who owes you money and who you owe. It simplifies budgeting and ensures you never miss payment deadlines. Visualize your finances with list or calendar views and stay informed with a convenient homepage widget.

Highlights
  • Track one-off payments
  • Manage recurring payments
  • Filter payments by status/type
  • Customizable date and currency formats
  • List and calendar payment views
  • Homepage widget for upcoming payments
Features
Read full description

Missed a payment again? Not sure where the month is heading? Owe keeps every bill, loan and IOU in one place, reminds you before anything is due, and shows your balance for the whole month at a glance. No bank logins, no sign-up, no spreadsheets. NEVER MISS A PAYMENT • A reminder on the day a payment is due • Overdue, upcoming and paid, clearly split so nothing slips • Mark anything paid with a single tap SEE YOUR MONTH COMING • What you owe and what you're owed, front and centre • Week and month views with a balance graph, so there are no end-of-month surprises • A Home Screen widget with your next payment and your totals ANY KIND OF PAYMENT • One-offs: dinner, tickets, borrowed cash • Recurring: rent, bills and subscriptions, weekly or monthly, even every second Friday • Part payments: record what's been paid back and see what's left OWE PRO — ONE-TIME PURCHASE, NO SUBSCRIPTION • Multiple accounts: keep Personal, Business and Joint separate and switch in a tap • Transfers: move money between your accounts and both sides stay in step • Reminder options: get reminded days before, at a time that suits you • Face ID lock: keep your balances private • Export to CSV: open every payment in Numbers or Excel • No ads Already bought Remove Ads? It includes Owe Pro. Just tap Restore Purchase. PRIVATE BY DESIGN Your payments stay on your device. No account, no bank connection, and Owe never sees your financial information. Choose your currency (£, $, €, ¥, ₹, ₽) and date format. Download Owe and stay on top of what you owe, and what's owed to you.

About

Debt Tracker

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Highlights
  • Manage debts and receivables
  • Separate by currency
  • Debt payoff planner
  • Monthly status tracking
  • Payment tracker
  • Money tracking
Features
Read full description

Debt Tracker is the ideal app for anyone who needs to manage their debt efficiently. With this app, you can easily stay organized and keep track of all your financial commitments. Whether it’s tracking your debt or monitoring what others owe you, the app’s powerful features help you stay on top of it all with our comprehensive debt tracker. Here’s what Debts - Manage your debtors offers: 1. Manage your debt and receivables effortlessly. 2. Separate your debts and receivables by currency for easy management of international transactions. 3. Track the total amount of your debts and receivables at any time. 4. Use the debt payoff planner to organize your payments and set clear goals. 5. Keep track of the monthly status of your debts and payments. 6. Stay organized with our easy-to-use payment tracker. 7. Track your overall finances with the intuitive money tracking app. Our debt payoff planner helps you create a clear path to pay off your debt, so you always know what’s next. The debt payoff planner tracker ensures you stay on track with monthly updates, allowing you to see exactly where you stand with your debt. This way, you can avoid surprises and manage everything in one place. With the debt tracker, you can also keep an eye on your overall debt status and stay organized by tracking both debts and receivables. The debt tracker feature is designed to provide a clear overview of what you owe and what others owe you, ensuring you never lose sight of your financial situation. Additionally, the debt payoff planner tracker keeps you informed on the progress of your debt payoff plan. Plus, the payment tracker makes it easy to monitor every payment, whether you’re paying off your debt or waiting to receive funds. Our money tracker and money tracking app also help you get a complete view of your finances, so you can always stay in control. Download Debt tracker today and take control of your debt! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Owe4 screens
Debt Tracker4 screens

Verdict

The call

The clearest difference is rating: Debt Tracker at 4.4 against Owe's 1.8. Debt Tracker also leads on ads (none vs shown) and ratings volume (105 vs 4). On price, update cadence, in-app purchases and monetization model 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

Both are free to download. Owe sells 2 one-off in-app purchases and Debt Tracker sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Tracker holds the better App Store score, 4.4 against 1.8. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 50% of Owe's written reviews are positive against 64% of Debt Tracker's.

UpkeepUpdate frequency

Owe ships an update every 2 months, Debt Tracker every 5 weeks. The most recent releases landed on October 26, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
Owe versus Debt Tracker: the parameters behind the verdict, then further details
ParameterOweDebt Tracker
PriceFreeFree
Rating1.8 (4 ratings)4.4 (105 ratings) — better
Positive reviews50.0% of reviews63.6% of reviews — better
Number of ratings4105 — better
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.4 — better
Further details — not scored
Size19 MB38 MB
Age rating4+4+
DeveloperAndy DobsonAppFlux Labs

Customer experience

Owe

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews40 reviews
Positive50.0%
Neutral15.0%
Negative35.0%

Debt Tracker

All ratings105 ratings
Positive83.8%
Neutral6.7%
Negative9.5%
Written reviews44 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

In-app purchases

2 purchases

Owe

One-time2
  • Remove Adverts$3.99
  • Owe Pro$4.99
3 purchases

Debt Tracker

Subscriptions2
  • 1 Month$0.991 Month
  • 12 Months$4.991 Year
One-time1
  • Lifetime$9.99

Questions

Is Owe free?
Owe is free to download, with in-app purchases available.
Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Which has better reviews, Owe or Debt Tracker?
Debt Tracker is rated higher. Owe averages 1.8 out of 5 from 4 ratings, while Debt Tracker averages 4.4 from 105 ratings.
Do Owe or Debt Tracker have ads?
Owe shows ads; Debt Tracker does not.
Which is updated more often, Owe or Debt Tracker?
Owe ships an update every 2 months, and Debt Tracker every 5 weeks. Most recently, Owe was updated on October 26, 2026 and Debt Tracker on October 29, 2026.

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