Owe vs AskTheWiseGuy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
AskTheWiseGuy
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AskTheWiseGuy App is a central place for personal finance mastery. The mobile app covers different dimensions of how we manage and experience personal finance in our lives, here they are: Learn: Through FREE YouTube videos, the app intends to impart financial wisdom to people who are interested in making a change in national life. Understand: This section intends to deep dive into understanding concepts in a structured manner which is delivered through various courses, depending on the level of their understanding and individual seeks. See: This unique section allows the user to monitor the performance of their portfolio, map and the entire wealth of individual lives on the app. They can also get access to personal documents which were collated on a secured Google Drive folder which are sequentially stored. Act: The most important aspect is getting results that are based on your actions. This section has 3 types of calculators, personalized action points, a link to attend our LIVE Wise Webinars & a link to book meetings with our experts.
Screenshots
Verdict
The clearest difference is in-app purchases: AskTheWiseGuy at none against Owe's 2. AskTheWiseGuy also leads on ads (none vs shown). Owe's advantage is update cadence (every 2 months vs every 24 months). On price, 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. Owe sells 2 one-off in-app purchases. AskTheWiseGuy asks for nothing beyond the download.
Owe ships an update every 2 months, AskTheWiseGuy every 24 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | Owe | AskTheWiseGuy |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (4 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 4 — better | — |
| Update frequency | Every 2 months — better | Every 24 months |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 17.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 19 MB | 103 MB |
| Age rating | 4+ | 4+ |
| Developer | Andy Dobson | Arpit Arora |
In-app purchases
Owe
- Remove Adverts$3.99
- Owe Pro$4.99
AskTheWiseGuy
No in-app purchases









