Comparison

Owe vs Debt Tracker Master

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

Debt Tracker Master

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

Highlights
  • Debt recording and organization
  • Repayment progress tracking
  • Payment planning outlook
  • Customizable payment reminders
  • Personal finance learning resources
  • Debt reduction reports
Features
Read full description

Debt Tracker Master is a payoff tracker for credit cards, auto loans, student loans, and mortgages you already have. It does not lend money, check your credit, or offer loans. See every balance, the next due date, and principal versus interest for the next 6 months. Record a payment when you make it, set a reminder before the due date, and watch the balance come down. What you can track - Total balance, payoff countdown, overdue items, and upcoming payments on one dashboard - Each debt: lender, interest rate, start date, due date, and repayment method - Credit cards, installment loans, mortgages, and lines of credit - A 6-month view of principal and interest - Reminders on the due date, 1 day before, or 2 days before - Home Screen widgets for the next payment - Short lessons on loan terms, including how snowball and avalanche payoff methods work Free to record and plan. Debt Tracker Pro removes ads and adds iCloud sync. Debt Tracker Master does not provide loans, credit, or financial advice. It is your own record of what you owe and how you plan to repay it. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://d.bapps.uk/privacy-policy.html

Screenshots

Owe4 screens
Debt Tracker Master4 screens

Verdict

The call

The clearest difference is review sentiment: Owe at 50% against Debt Tracker Master's 0%. Debt Tracker Master's advantage is rating (3.7 vs 1.8) and update cadence (every 3 days vs every 2 months). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Owe sells 2 one-off in-app purchases and Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Tracker Master holds the better App Store score, 3.7 against 1.8. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews complicate that: 50% of Owe's written reviews are positive against 0% of Debt Tracker Master's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Owe ships an update every 2 months, Debt Tracker Master every 3 days. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Owe versus Debt Tracker Master: the parameters behind the verdict, then further details
ParameterOweDebt Tracker Master
PriceFreeFree
Rating1.8 (4 ratings)3.7 (3 ratings) — better
Positive reviews50.0% of reviews — better0.0% of reviews
Number of ratings4 — better3
Update frequencyEvery 2 monthsEvery 3 days — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.6 — better
Further details — not scored
Size19 MB50 MB
Age rating4+4+
DeveloperAndy Dobson娜 杨

Customer experience

Owe

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews40 reviews
Positive50.0%
Neutral15.0%
Negative35.0%

Debt Tracker Master

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

2 purchases

Owe

One-time2
  • Remove Adverts$3.99
  • Owe Pro$4.99
4 purchases

Debt Tracker Master

Subscriptions2
  • DebtTracker Pro Monthly$3.991 Month
  • DebtTracker Pro Yearly3 Days trial$17.991 Year
One-time2
  • Remove Ads$3.99
  • DebtTracker Pro Lifetime$39.99

Questions

Is Owe free?
Owe is free to download, with in-app purchases available.
Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Which has better reviews, Owe or Debt Tracker Master?
Debt Tracker Master is rated higher. Owe averages 1.8 out of 5 from 4 ratings, while Debt Tracker Master averages 3.7 from 3 ratings.
Do Owe or Debt Tracker Master have ads?
Both Owe and Debt Tracker Master show ads.
Which is updated more often, Owe or Debt Tracker Master?
Owe ships an update every 2 months, and Debt Tracker Master every 3 days. Most recently, Owe was updated on October 26, 2026 and Debt Tracker Master on October 30, 2026.

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