# Debt Tracker IOU vs DebtFlow

The clearest difference is ads: Debt Tracker IOU at none against DebtFlow's shown. DebtFlow's advantage is update cadence (every 2 weeks vs every 6 weeks) and iOS requirement (15.0 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 DebtFlow sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker IOU ships an update every 6 weeks, DebtFlow every 2 weeks. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Debt Tracker IOU | DebtFlow |
| --- | --- | --- |
| 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 | **Every 2 weeks** |
| Monetization | Freemium | — |
| Size | 17 MB | 71 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) | [Ayobami Lawal](https://appshunter.io/developer/1598897718) |

## 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 |


### DebtFlow

[App page](https://appshunter.io/ios/app/debtflow-debt-tracker-iou/id6785288024)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $1.99 | per month |
| 1 Year | $9.99 | per year |
| Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is Debt Tracker IOU free?

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

### Is DebtFlow free?

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

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

DebtFlow shows ads; Debt Tracker IOU does not.

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

Debt Tracker IOU ships an update every 6 weeks, and DebtFlow every 2 weeks. Most recently, Debt Tracker IOU was updated on October 8, 2026 and DebtFlow on October 10, 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.*