# I.O.Then vs Churner

The clearest difference is price: Churner at Free against I.O.Then's $0.99. I.O.Then's advantage is in-app purchases (none vs 4). On review sentiment, update cadence, ads and device support there is nothing between them.

Churner is free to download; I.O.Then costs $0.99 up front. Churner sells 4 one-off in-app purchases. I.O.Then asks for nothing beyond the download.

I.O.Then ships an update every 8 days, Churner every 10 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | I.O.Then | Churner |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/churner/id6757818171/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 10 days |
| Monetization | Paid | **Free with in-app purchases** |
| Size | 5 MB | 4 MB |
| Requires iOS | **17.0** | 17.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Aleh Rabchuk](https://appshunter.io/developer/1116159085) | [Kunyoung Jung](https://appshunter.io/developer/1869097254) |

## What reviewers say

### I.O.Then

[App page](https://appshunter.io/ios/app/iothen-borrow-tracker/id6757635587)

This app helps you track borrowed items and money, ensuring they are returned on time. It simplifies the process of lending and borrowing by allowing you to record details, set return dates, and get gentle reminders, preventing awkward conversations and lost belongings.

**Highlights:** Track borrowed items and money, Record borrower details, Set return dates, Digital signature capture, Automated reminders, Lending and borrowing history

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

**In-app purchases:** none


### Churner

[App page](https://appshunter.io/ios/app/churner/id6757818171)

This app helps credit card enthusiasts track spending, manage rewards, and optimize their card strategy. It offers automated tracking for card opening rules and sign-up bonuses, with smart input methods like clipboard parsing and OCR scanning. Visualize spending habits with interactive charts and keep your financial data private with 100% offline storage.

**Highlights:** Card opening rule tracking (5/24), Sign-up bonus (SUB) management, Smart clipboard transaction parsing, OCR scanning for statement import, Visual spending analytics, 100% offline data storage

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small Tip | $2.99 | one-time |
| Medium Tip | $5.99 | one-time |
| Large Tip | $19.99 | one-time |
| Super Tip | $29.99 | one-time |


## Frequently asked questions

### Is I.O.Then free?

I.O.Then costs $0.99, with no in-app purchases.

### Is Churner free?

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

### Do I.O.Then or Churner have ads?

Neither I.O.Then nor Churner shows ads.

### Which is updated more often, I.O.Then or Churner?

I.O.Then ships an update every 8 days, and Churner every 10 days. Most recently, I.O.Then was updated on November 5, 2026 and Churner 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.*