# IOU vs Ledger Book

The clearest difference is ads: IOU at none against Ledger Book's shown. IOU also leads on rating (5.0 vs 4.7). Ledger Book's advantage is ratings volume (15 vs 4) and iOS requirement (15.0 vs 17.0). On price, review sentiment, update cadence and in-app purchases there is nothing between them.

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month and Ledger Book sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

IOU holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 4 and 15 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | IOU | Ledger Book |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews)** | [4.7 (15 ratings)](https://appshunter.io/ios/app/ledger-book-debt-tracker/id6758147291/reviews) |
| Number of ratings | 4 | **15** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Freemium | Free with in-app purchases |
| Size | 13 MB | 41 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Muhammed Nur WALI](https://appshunter.io/developer/1773265918) |

## What reviewers say

### IOU

[App page](https://appshunter.io/ios/app/iou-owetracker/id6757933178)

Easily track money lent, borrowed, and owed without spreadsheets. Manage personal debts, shared expenses, and recurring bills with clear overviews of balances and payment history. Log payments instantly and stay organized with automatic tracking for monthly charges.

**Highlights:** Track money lent, borrowed, and owed, Filter debts owed to you vs. money you owe, View balances, payment history, and upcoming charges, Log partial or full payments instantly, Automatically track recurring bills and subscriptions, Private and ad-free financial tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OweTracker Pro – Monthly | $1.99 | per month |
| OweTracker Pro | $17.99 | per year |
| OweTracker Pro – Lifetime | $19.99 | one-time |


### Ledger Book

[App page](https://appshunter.io/ios/app/ledger-book-debt-tracker/id6758147291)

This app is a digital ledger for managing client accounts, debts, and payments. It offers features like PDF statement generation, offline data storage for privacy, and secure backups. It aims to be a fast and accurate financial assistant for businesses and individuals.

**Highlights:** Client and debt management, Generate PDF statements, Offline-first privacy, Smart search and sorting, Secure backup and restore

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Access (Monthly) | $4.99 | per month |
| Pro Access (Yearly) | $19.99 | per year |


## Frequently asked questions

### Is IOU free?

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

### Is Ledger Book free?

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

### Which has better reviews, IOU or Ledger Book?

IOU is rated higher. IOU averages 5.0 out of 5 from 4 ratings, while Ledger Book averages 4.7 from 15 ratings.

### Do IOU or Ledger Book have ads?

Ledger Book shows ads; IOU does not.

### Which is updated more often, IOU or Ledger Book?

IOU ships an update every 2 weeks, and Ledger Book every 2 weeks. Most recently, IOU was updated on October 25, 2026 and Ledger Book on October 25, 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.*