# FLO vs IOU

The clearest difference is update cadence: IOU at every 2 weeks against FLO's monthly. On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. FLO sells 4 in-app purchases, starting at $7.99 per month and IOU sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for FLO against 5.0 for IOU. Both are backed by a comparable volume of ratings — 3 and 4 respectively.

FLO ships an update monthly, IOU every 2 weeks. The most recent releases landed on October 17, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | FLO | IOU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews) |
| Number of ratings | 3 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Freemium | Freemium |
| Size | 28 MB | 13 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Travis Anderson](https://appshunter.io/developer/1841271008) | [MASON QULIZADA](https://appshunter.io/developer/1869718916) |

## What reviewers say

### FLO

[App page](https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373)

Manage freelance finances, track expenses, and plan for taxes. Create professional invoices, forecast cash flow, and plan debt payoff. Designed for self-employed professionals and small businesses.

**Highlights:** Proactive tax planning with real-time estimates, Professional invoicing with payment tracking, Smart expense management with receipt scanning, Cash flow forecasting, Debt-free planning tools, Household sharing for family finances

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $7.99 | per month |
| Pro Monthly | $12.99 | per month |
| Premium Yearly | $59.99 | per year |
| Pro Yearly | $99.99 | per year |


### IOU

[App page](https://appshunter.io/ios/app/iou-owetracker/id6757933178)

Easily track money lent, borrowed, and owed without spreadsheets. Manage personal debts, shared expenses, and recurring bills with clear overviews of balances and payment history. Log payments instantly and stay organized with automatic tracking for monthly charges.

**Highlights:** Track money lent, borrowed, and owed, Filter debts owed to you vs. money you owe, View balances, payment history, and upcoming charges, Log partial or full payments instantly, Automatically track recurring bills and subscriptions, Private and ad-free financial tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OweTracker Pro – Monthly | $1.99 | per month |
| OweTracker Pro | $17.99 | per year |
| OweTracker Pro – Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is FLO free?

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

### Is IOU free?

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

### Which has better reviews, FLO or IOU?

FLO and IOU are both rated 5.0 out of 5 on the App Store, from 3 and 4 ratings respectively.

### Do FLO or IOU have ads?

Neither FLO nor IOU shows ads.

### Which is updated more often, FLO or IOU?

FLO ships an update monthly, and IOU every 2 weeks. Most recently, FLO was updated on October 17, 2026 and IOU on October 31, 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.*