Owe vs Subman
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.
Subman
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Take control of your subscriptions with Subman, the ultimate iOS Subscription Manager. Are you tired of forgetting about recurring charges or struggling to keep track of your subscriptions? Subman is here to simplify your life and help you manage your subscriptions effortlessly. Subscription Tracking: Subman provides a centralized hub to track all your subscriptions in one place. It scans your device for active subscriptions and compiles them into a clean and intuitive interface. Stay informed about upcoming billing cycles, trial expirations, and subscription renewals with handy reminders. Renewal Reminders: Never miss a payment or renewal date again. Subman sends you timely reminders before your subscriptions renew, ensuring you have full control over your expenses. Customize reminders based on your preferences to receive notifications that suit your needs. Secure and Private: Your data privacy is our utmost priority. Subman securely stores your subscription information on your device, ensuring your personal data remains private. We do not collect any sensitive information or share your data with third parties. With Subman, you can easily monitor, organize, and optimize your subscriptions right from your iPhone or iPad. Say goodbye to surprise charges and unnecessary expenses. Let Subman be your trusted companion in managing your digital services.
Screenshots
Verdict
The clearest difference is in-app purchases: Subman at none against Owe's 2. Subman also leads on iOS requirement (15.0 vs 17.0). Owe's advantage is device support. On price 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. Subman asks for nothing beyond the download.
| Parameter | Owe | Subman |
|---|---|---|
| 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 | — |
| Ads | Yes | — |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad — better | — |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 19 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | Andy Dobson | Fitzgerald Afful |
In-app purchases
Owe
- Remove Adverts$3.99
- Owe Pro$4.99
Subman
No in-app purchases









