# Debt Tracker IOU vs Settle Book

The clearest difference is update cadence: Settle Book at weekly against Debt Tracker IOU's every 6 weeks. Settle Book also leads on iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Tracker IOU sells 5 in-app purchases, starting at $0.99 per 7 days and Settle Book sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Tracker IOU ships an update every 6 weeks, Settle Book weekly. The most recent releases landed on October 8, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Debt Tracker IOU | Settle Book |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-tracker-iou-khatta-flow/id6756983630/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Weekly** |
| Monetization | Freemium | — |
| Size | 17 MB | 44 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Aniqa Safdar](https://appshunter.io/developer/1833685744) | [Hasan Raza Khan](https://appshunter.io/developer/1848599011) |

## What reviewers say

### Debt Tracker IOU

[App page](https://appshunter.io/ios/app/debt-tracker-iou-khatta-flow/id6756983630)

This app helps you track personal loans and debts, ensuring you never forget who owes you money. It offers smart financial insights, payment reminders, and secure local storage for your financial records.

**Highlights:** Track loans and IOUs, Smart financial insights, Payment reminders, Organize by person, Add notes and receipts, Export data to CSV, Local storage and biometric lock

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Pro | $0.99 | per 7 days |
| Monthly Pro | $2.99 | per month |
| Yearly Pro | $19.99 | per year |
| Lifetime Premium | $34.99 | one-time |
| Lifetime Pro | $34.99 | one-time |


### Settle Book

[App page](https://appshunter.io/ios/app/settle-book/id6758585541)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SettleBook Lifetime Premium | $9.99 | one-time |


## Frequently asked questions

### Is Debt Tracker IOU free?

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

### Is Settle Book free?

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

### Do Debt Tracker IOU or Settle Book have ads?

Neither Debt Tracker IOU nor Settle Book shows ads.

### Which is updated more often, Debt Tracker IOU or Settle Book?

Debt Tracker IOU ships an update every 6 weeks, and Settle Book weekly. Most recently, Debt Tracker IOU was updated on October 8, 2026 and Settle Book on October 12, 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.*