# Owe vs Debt Tracker Master

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.

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.

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.

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.

## The numbers

| Metric | Owe | Debt Tracker Master |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (4 ratings)](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews) | **[3.7 (3 ratings)](https://appshunter.io/ios/app/debt-tracker-master/id6473278027/reviews)** |
| Number of ratings | **4** | 3 |
| Positive reviews | **50.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 3 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 19 MB | 50 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Andy Dobson](https://appshunter.io/developer/619478854) | [娜 杨](https://appshunter.io/developer/1700983284) |

## 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 Tracker Master

[App page](https://appshunter.io/ios/app/debt-tracker-master/id6473278027)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtTracker Pro Monthly | $3.99 | per month |
| DebtTracker Pro Yearly | $17.99 | per year |
| Remove Ads | $3.99 | one-time |
| DebtTracker Pro Lifetime | $39.99 | one-time |


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