# Owe vs AskTheWiseGuy

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.

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.

## The numbers

| Metric | Owe | AskTheWiseGuy |
| --- | --- | --- |
| 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 | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 2 months** | Every 24 months |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 103 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Andy Dobson](https://appshunter.io/developer/619478854) | [Arpit Arora](https://appshunter.io/developer/1655112079) |

## 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 |


### AskTheWiseGuy

[App page](https://appshunter.io/ios/app/askthewiseguy/id6444522444)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Owe free?

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

### Is AskTheWiseGuy free?

AskTheWiseGuy is free to download, with no in-app purchases.

### Do Owe or AskTheWiseGuy have ads?

Owe shows ads; AskTheWiseGuy does not.

### Which is updated more often, Owe or AskTheWiseGuy?

Owe ships an update every 2 months, and AskTheWiseGuy every 24 months. Most recently, Owe was updated on November 6, 2026 and AskTheWiseGuy on November 3, 2026.

---

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