# Debt Tracker IOU vs ChequeVault

The clearest difference is iOS requirement: ChequeVault at 15.0 against Debt Tracker IOU's 18.0. On price, update cadence, ads and in-app purchases 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 ChequeVault sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker IOU ships an update every 6 weeks, ChequeVault every 3 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Debt Tracker IOU | ChequeVault |
| --- | --- | --- |
| 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 | **Every 3 weeks** |
| Monetization | Freemium | — |
| Size | 17 MB | 54 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Aniqa Safdar](https://appshunter.io/developer/1833685744) | [Sameera Perera](https://appshunter.io/developer/6773367384) |

## 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 |


### ChequeVault

[App page](https://appshunter.io/ios/app/chequevault-cheque-manager/id6773367381)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| ChequeVault Pro - Monthly | $2.99 | per month |
| ChequeVault Pro | $24.99 | per year |


## Frequently asked questions

### Is Debt Tracker IOU free?

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

### Is ChequeVault free?

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

### Do Debt Tracker IOU or ChequeVault have ads?

Neither Debt Tracker IOU nor ChequeVault shows ads.

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

Debt Tracker IOU ships an update every 6 weeks, and ChequeVault every 3 weeks. Most recently, Debt Tracker IOU was updated on November 5, 2026 and ChequeVault 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.*