# Debtless vs Owwed

The clearest difference is in-app purchases: Owwed at none against Debtless's 3. Owwed also leads on update cadence (fortnightly vs every 7 months) and iOS requirement (16.4 vs 18.2). On price, ads and device support there is nothing between them.

Both are free to download. Debtless sells 3 one-off in-app purchases. Owwed asks for nothing beyond the download.

Debtless ships an update every 7 months, Owwed fortnightly. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debtless | Owwed |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (5 ratings)](https://appshunter.io/ios/app/debtless/id6748594182/reviews)** | — |
| Number of ratings | **5** | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 7 months | **Fortnightly** |
| Monetization | Free | — |
| Size | 5 MB | 64 MB |
| Requires iOS | 18.2 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Logan Moore](https://appshunter.io/developer/382096113) | [Vincent Mukuna](https://appshunter.io/developer/6785079540) |

## What reviewers say

### Debtless

[App page](https://appshunter.io/ios/app/debtless/id6748594182)

This app helps you track and plan your debt payoff. It offers features like unlimited debt tracking, payment logging, and strategy comparison. All features are free with no ads or subscriptions, prioritizing user privacy by keeping data on-device.

**Highlights:** Unlimited debt tracking, Payment logging, Debt payoff strategy comparison, Projected debt-free date, On-device AI plan assistant, Statement extraction, Earn ideas tailored to skills

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |


### Owwed

[App page](https://appshunter.io/ios/app/owwed/id6785079538)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Debtless free?

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

### Is Owwed free?

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

### Do Debtless or Owwed have ads?

Neither Debtless nor Owwed shows ads.

### Which is updated more often, Debtless or Owwed?

Debtless ships an update every 7 months, and Owwed fortnightly. Most recently, Debtless was updated on October 30, 2026 and Owwed on October 28, 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.*