# Owe vs Debt Manager

The clearest difference is update cadence: Debt Manager at every 4 weeks against Owe's every 2 months. Debt Manager also leads on iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Owe sells 2 one-off in-app purchases and Debt Manager sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Owe ships an update every 2 months, Debt Manager every 4 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Owe | Debt Manager |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.8 (4 ratings)](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 74 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Andy Dobson](https://appshunter.io/developer/619478854) | [Ifeanyi Ibekie](https://appshunter.io/developer/1654477297) |

## 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 Manager

[App page](https://appshunter.io/ios/app/debt-manager-debt-tracker/id6444405614)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $1.99 | per month |
| Pro Annual | $14.99 | per year |


## Frequently asked questions

### Is Owe free?

Owe is free to download, with in-app purchases available.

### Is Debt Manager free?

Debt Manager is free to download, with in-app purchases available.

### Do Owe or Debt Manager have ads?

Both Owe and Debt Manager show ads.

### Which is updated more often, Owe or Debt Manager?

Owe ships an update every 2 months, and Debt Manager every 4 weeks. Most recently, Owe was updated on November 6, 2026 and Debt Manager on November 3, 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.*