# Who Owes Me vs Lendnote

The clearest difference is in-app purchases: Lendnote at none against Who Owes Me's 2. On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Who Owes Me sells 2 in-app purchases, starting at $2.99 per month. Lendnote asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Who Owes Me against 5.0 for Lendnote. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Who Owes Me ships an update every 5 days, Lendnote every 4 days. Both last shipped on November 5, 2026.

## The numbers

| Metric | Who Owes Me | Lendnote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | Yes |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 93 MB | 55 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | +4 | 4+ |
| Developer | [Artcode LTDA](https://appshunter.io/developer/1815865404) | [Nam Truong Phuong](https://appshunter.io/developer/6774566741) |

## What reviewers say

### Who Owes Me

[App page](https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054)

Easily track loans and manage outstanding debts from previous months. This finance app helps you stay organized and ensures you get paid back. It offers bug fixes for improved speed and stability.

**Highlights:** Track loans, Manage outstanding debts, View pending transactions, Bug fixes for stability, Improved speed

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $2.99 | per month |
| Annual Plan | $11.99 | per year |


### Lendnote

[App page](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739)

Easily track money lent and borrowed with this intuitive app. It uses AI to parse natural language entries, offers detailed transaction tracking, and provides smart financial insights. Keep all your debt records organized and secure locally on your device.

**Highlights:** AI-powered natural language input, Track lending and borrowing transactions, Smart dashboard with net balance, Statistics and trends analysis, PDF statement generation, Photo proof for transactions, Interest and partial payment tracking, Due-date reminders

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

**In-app purchases:** none


## Frequently asked questions

### Is Who Owes Me free?

Who Owes Me is free to download, with in-app purchases available.

### Is Lendnote free?

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

### Which has better reviews, Who Owes Me or Lendnote?

Who Owes Me and Lendnote are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Who Owes Me or Lendnote have ads?

Both Who Owes Me and Lendnote show ads.

### Which is updated more often, Who Owes Me or Lendnote?

Who Owes Me ships an update every 5 days, and Lendnote every 4 days. Most recently, Who Owes Me was updated on November 5, 2026 and Lendnote on November 5, 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.*