# Owe vs Debt Tracker

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.

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.

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.

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.

## The numbers

| Metric | Owe | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (4 ratings)](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews) | **[4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews)** |
| Number of ratings | 4 | **105** |
| Positive reviews | 50.0% of reviews | **63.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 19 MB | 38 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Andy Dobson](https://appshunter.io/developer/619478854) | [AppFlux Labs](https://appshunter.io/developer/1882687293) |

## What reviewers say

### Owe

[App page](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Adverts | $3.99 | one-time |
| Owe Pro | $4.99 | one-time |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $0.99 | per month |
| 12 Months | $4.99 | per year |
| Lifetime | $9.99 | one-time |


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