Comparison

Big Numbers vs IOU

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

Head to head
About

Big Numbers

This app offers a minimalist approach to tracking your finances. It automatically syncs with over 19,000 banks to display your daily, weekly, and monthly spending in a clear, visual format. Enjoy instant notifications and home-screen widgets for quick budget checks.

Highlights
  • Automatic bank sync
  • Instant spending overview
  • Home screen widgets
  • Real-time notifications
  • Minimalist interface
  • Face ID/Touch ID protection
Read full description

Big Numbers is the minimalist budget & expense tracker that shows your daily, weekly, and monthly spending in one tap. Connect any of 19,000+ banks, see every transaction instantly, and stay on budget with elegant home-screen widgets. FASTEST EXPENSE TRACKING • See daily, weekly, and monthly spending at a glance • No manual entry—automatic bank sync via Teller & Plaid • Track unlimited accounts (checking, credit cards, savings) • Real-time transaction updates with instant notifications • Smart spending calculations tailored to your account type BEAUTIFUL iOS 26 DESIGN • Liquid glass interface that feels native to iOS • Spending trend badges show percentage changes • Color-coded accounts for quick visual recognition • Clean, distraction-free interface—no ads or charts • Dark mode support with elegant gradients PRIVACY & SECURITY FIRST • Face ID / Touch ID protection for sensitive data • Bank tokens stored in Keychain (industry standard) • On-device data processing—your info stays private • Support for 19,000+ financial institutions • Secure OAuth connections (no stored passwords) HOME SCREEN WIDGETS • Lock screen widgets for instant spending checks • Multiple widget sizes and configurations • See your budget without opening the app • Auto-refreshing data throughout the day • Configurable periods (daily, weekly, monthly) SMART MONEY MANAGEMENT • Hide specific transactions from calculations • Custom account colors for organization • Flexible time periods (calendar vs. rolling weeks/months) • Invert transaction logic for different account types • Filter by account to see individual spending WORKS WITH YOUR BANKS Connects seamlessly with major banks including Chase, Bank of America, Wells Fargo, Citi, Capital One, Discover, American Express, and 19,000+ more through secure Teller and Plaid integrations. WHY CHOOSE BIG NUMBERS? Unlike complex budgeting apps with overwhelming features, Big Numbers focuses on what matters: how much you're spending. No categories to manage, no budgets to set up, no learning curve. Just connect your bank and instantly see your spending in beautiful, easy-to-read numbers. PERFECT FOR: • Busy professionals who want quick financial insights • Anyone tired of complicated budgeting apps • People who prefer visual clarity over detailed reports • iPhone users who love beautiful, native design • Privacy-conscious individuals seeking secure banking apps Download Big Numbers today and experience the fastest, most beautiful way to track your money. Start your free trial now!

About

IOU

Effortlessly split bills, track shared expenses, and manage group finances. This app simplifies tracking who owes what, organizing costs by group, and sending payment reminders. Perfect for roommates, friends, and families to avoid awkward money conversations.

Highlights
  • Smart bill splitting
  • Receipt scanning
  • Expense tracking
  • Group management
  • Payment reminders
  • Real-time sync
Features
Read full description

The ultimate app for splitting bills, tracking shared expenses, and managing group finances with friends, roommates, and family. Key Features: Smart Bill Splitting - Easily split bills between multiple people Receipt Scanner - Automatically extract expense details from photos Expense Tracking - Keep track of who owes what Group Management - Organize expenses by groups or events Payment Reminders - Never forget to collect what you're owed Real-time Sync - All group members stay updated instantly Perfect for: Roommates sharing rent and utilities Friends splitting dinner bills and trips Couples managing household expenses Group events and celebrations Business expense sharing Travel cost splitting Why IOU? Stop the "I'll pay you back later" conversations. IOU makes it simple to track, split, and settle expenses with anyone. No more forgotten debts or awkward money conversations. Download IOU today and make splitting bills effortless! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Big Numbers4 screens
IOU4 screens

Verdict

The call

The clearest difference is rating: IOU at 5.0 against Big Numbers's 4.1. IOU also leads on review sentiment (100% vs 68%) and iOS requirement (15.1 vs 26.0). Big Numbers's advantage is ratings volume (36 vs 1). On price, ads, in-app purchases and monetization model 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. Big Numbers sells 2 in-app purchases, starting at $0.99 per 7 days and IOU sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

IOU holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Big Numbers has 36 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 68% of Big Numbers's written reviews are positive against 100% of IOU's.

Scorecard4 real differences · 6 level
Big Numbers versus IOU: the parameters behind the verdict, then further details
ParameterBig NumbersIOU
PriceFreeFree
Rating4.1 (36 ratings)5.0 (1 ratings) — better
Positive reviews68.2% of reviews100.0% of reviews — better
Number of ratings36 — better1
Update frequencyEvery 3 weeks—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS26.015.1 — better
Further details — not scored
Size11 MB66 MB
Age rating4+4+
DeveloperBig Numbers, Inc.kai Lee

Customer experience

Big Numbers

All ratings36 ratings
Positive75.0%
Neutral5.6%
Negative19.4%
Written reviews44 reviews
Positive68.2%
Neutral13.6%
Negative18.2%

IOU

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Big Numbers

Reported bugs

1 issue
  • Login screen freezes

Requested features

4 requests
  • Add support for Provident Credit Union and KeyPoint Credit Union
  • Option to toggle between 1 week and 2 week views
  • Display current account balance
  • Support for Apple Card and multiple cards

IOU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Big Numbers

Subscriptions2
  • 3 Card Subscription | Weekly7 Days trial$0.997 Days
  • 1 Card for 1 Year | Beta Promo$0.997 Days
2 purchases

IOU

Subscriptions2
  • Unlimited monthly access$2.991 Month
  • Unlimited annual access$19.991 Year

Questions

Is Big Numbers free?
Big Numbers is free to download, with in-app purchases available.
Is IOU free?
IOU is free to download, with in-app purchases available.
Which has better reviews, Big Numbers or IOU?
IOU is rated higher. Big Numbers averages 4.1 out of 5 from 36 ratings, while IOU averages 5.0 from 1 ratings.
Do Big Numbers or IOU have ads?
Neither Big Numbers nor IOU shows ads.

Other comparisons