Comparison

owed + vs Offsheets

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

Head to head
About

owed +

Easily track and settle debts with a modern, user-friendly interface. Send payment requests via text for popular payment apps and personalize your experience with custom icons. A helpful guide is available to assist you.

Highlights
  • Cross-platform access
  • Enhanced visibility with color palettes
  • Request money via text message
  • Personalize app icon
  • Helpful guide mascot
Features
Read full description

Introducing the All-New Owed+ App Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable. What's New: Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop. Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly. Request Money in Seconds – Send payment requests directly via text message for Apple Pay, PayPal, and Venmo. No more awkward conversations or forgotten debts – tap, text, and get paid. Make It Yours – Personalize your experience by selecting from multiple app icon designs that match your style. Meet Gus, Your Helpful Guide – Say hello to Gus, our friendly pig mascot! Gus is here to walk you through the new app, share helpful tips, and make getting started a breeze. Whether you're new to Owed+ or returning to explore all the improvements, Gus has got your back. The new Owed+ app isn't just an update – it's a complete transformation designed to make tracking who owes what simpler, faster, and more accessible than ever before.

About

Offsheets

Visualize your financial data from a connected Tiller-powered Google Sheet in real-time. Effortlessly categorize transactions, monitor your net worth, and view interactive charts on any device. This app prioritizes your privacy with a Zero-Knowledge Architecture.

Highlights
  • Connect Tiller-powered Google Sheets
  • Real-time data visualization
  • Transaction categorization
  • Net worth tracking
  • Interactive charts
  • Zero-Knowledge Architecture
Read full description

Offsheets requires a Tiller subscription and a Tiller-powered Google Sheet. Connect your Tiller-powered Google Sheet to manage, visualize, and forecast your financial data in real-time. Designed and optimized for mobile, tablet, and desktop, with equal features and functionality regardless of device or screen size. Offsheets is built from the ground up on a Zero-Knowledge Architecture, which means your financial data is never stored in a database, only in your sheet. We never see it, and we never store it. Offsheets unlocks the untapped power of your spreadsheet by allowing you to effortlessly accomplish four things. Though a spreadsheet can do some of these things, it does not have the ability to do them as well as Offsheets due to the limitations of a spreadsheet: 1) Manage your historical personal finance data 2) Visualize and analyze that data 3) Forecast into the future 4) Stay connected to your finances via emails and alerts Offsheets has full feature parity with Tiller, including Savings and Debt tracking integration, Savings Goals, Debt Payoff Planner, Savings Budget, AutoCat, and more. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.offsheets.com/privacy.html

Screenshots

owed +4 screens
Offsheets4 screens

Verdict

The call

The clearest difference is price: Offsheets at Free against owed +'s $0.99. Offsheets also leads on review sentiment (100% vs 56%) and update cadence (every 2 days vs every 2 weeks). owed +'s advantage is in-app purchases (none vs 2) and ratings volume (7 vs 1). On rating, ads and device support 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

Offsheets is free to download; owed + costs $0.99 up front. Offsheets sells 2 in-app purchases, starting at $3.99 per month. owed + asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for owed + against 5.0 for Offsheets. That said, the two scores are not equally well evidenced: owed + has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 56% of owed +'s written reviews are positive against 100% of Offsheets's.

UpkeepUpdate frequency

owed + ships an update every 2 weeks, Offsheets every 2 days. The most recent releases landed on October 30, 2026 and October 6, 2026 respectively.

Scorecard7 real differences · 3 level
owed + versus Offsheets: the parameters behind the verdict, then further details
Parameterowed +Offsheets
Price$0.99Free — better
Rating5.0 (7 ratings)5.0 (1 ratings)
Positive reviews55.6% of reviews100.0% of reviews — better
Number of ratings7 — better1
Update frequencyEvery 2 weeksEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.0 — better
Further details — not scored
Size25 MB34 MB
Age rating17+4+
DeveloperJosh GdovinMJAPPS LLC

Customer experience

owed +

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive55.6%
Neutral11.1%
Negative33.3%

Offsheets

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

owed +

No in-app purchases

2 purchases

Offsheets

Subscriptions1
  • Offsheets Monthly$3.991 Month
One-time1
  • Offsheets Lifetime$89.99

Questions

Is owed + free?
owed + costs $0.99, with no in-app purchases.
Is Offsheets free?
Offsheets is free to download, with in-app purchases available.
Which has better reviews, owed + or Offsheets?
owed + and Offsheets are both rated 5.0 out of 5 on the App Store, from 7 and 1 ratings respectively.
Do owed + or Offsheets have ads?
Neither owed + nor Offsheets shows ads.
Which is updated more often, owed + or Offsheets?
owed + ships an update every 2 weeks, and Offsheets every 2 days. Most recently, owed + was updated on October 30, 2026 and Offsheets on October 6, 2026.

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