# owed + vs IOU

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.

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.

## The numbers

| Metric | owed + | IOU |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | **[5.0 (7 ratings)](https://appshunter.io/ios/app/owed-plus/id6752716669/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 55.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | — |
| Monetization | Paid | — |
| Size | 25 MB | 54 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Ivan Dotsenko](https://appshunter.io/developer/551628923) |

## What reviewers say

### owed +

[App page](https://appshunter.io/ios/app/owed-plus/id6752716669)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### IOU

[App page](https://appshunter.io/ios/app/iou-debt-tracker/id6811345950)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Weekly | $1.99 | per 7 days |
| IOU Pro Monthly | $3.99 | per month |
| IOU Pro Yearly | $14.99 | per year |
| Pro Lifetime | $24.99 | one-time |


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