Comparison

owed + vs IOU

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

IOU

Features
Read full description

IOU: Debt Tracker keeps personal debts and shared expenses out of your head. Record money you lent or borrowed, choose the amount, currency, and due date, and see the current balance for every person. • Add people and choose friendly avatars • Record money lent and borrowed • Use any currency • Keep an eye on due dates and reminders • Review transaction history and total balances • Mark a debt as settled when money is returned Your debt records stay on your iPhone. No account is required. Made for simple IOUs between friends, family, and coworkers, without spreadsheets or complicated finance jargon. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

owed +4 screens
IOU4 screens

Verdict

The call

The clearest difference is price: IOU at Free against owed +'s $0.99. IOU also leads on iOS requirement (16.4 vs 18.0). owed +'s advantage is in-app purchases (none vs 4). On 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

IOU is free to download; owed + costs $0.99 up front. IOU sells 4 in-app purchases, starting at $1.99 per 7 days. owed + asks for nothing beyond the download.

Scorecard3 real differences · 7 level
owed + versus IOU: the parameters behind the verdict, then further details
Parameterowed +IOU
Price$0.99Free — better
Rating5.0 (7 ratings) — better—
Positive reviews55.6% of reviews—
Number of ratings7 — better—
Update frequencyEvery 2 weeks—
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaid—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.016.4 — better
Further details — not scored
Size25 MB54 MB
Age rating17+4+
DeveloperJosh GdovinIvan Dotsenko

In-app purchases

None

owed +

No in-app purchases

4 purchases

IOU

Subscriptions3
  • Pro Weekly$1.997 Days
  • IOU Pro Monthly7 Days trial$3.991 Month
  • IOU Pro Yearly$14.991 Year
One-time1
  • Pro Lifetime$24.99

Questions

Is owed + free?
owed + costs $0.99, with no in-app purchases.
Is IOU free?
IOU is free to download, with in-app purchases available.
Do owed + or IOU have ads?
Neither owed + nor IOU shows ads.

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