# Debt Tracker IOU vs DivvyBill

The clearest difference is ads: Debt Tracker IOU at none against DivvyBill's shown. DivvyBill's advantage is update cadence (fortnightly vs every 6 weeks) and iOS requirement (13.0 vs 18.0). On price, 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 DivvyBill sells 2 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debt Tracker IOU ships an update every 6 weeks, DivvyBill fortnightly. The most recent releases landed on October 8, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Debt Tracker IOU | DivvyBill |
| --- | --- | --- |
| 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** | Yes |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Freemium | — |
| Size | 17 MB | 57 MB |
| Requires iOS | 18.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Aniqa Safdar](https://appshunter.io/developer/1833685744) | [Md Najmul Huda](https://appshunter.io/developer/6775596266) |

## 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 |


### DivvyBill

[App page](https://appshunter.io/ios/app/divvybill-split-bills-expense/id6775596264)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Buy Me a Coffee | $0.99 | one-time |
| DivvyBill Pro | $2.99 | one-time |


## Frequently asked questions

### Is Debt Tracker IOU free?

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

### Is DivvyBill free?

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

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

DivvyBill shows ads; Debt Tracker IOU does not.

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

Debt Tracker IOU ships an update every 6 weeks, and DivvyBill fortnightly. Most recently, Debt Tracker IOU was updated on October 8, 2026 and DivvyBill on October 13, 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.*