# IOU vs Debtly

The clearest difference is iOS requirement: Debtly at 15.6 against IOU's 17.0. On price, update cadence, ads 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 Debtly sells 3 in-app purchases, starting at $3.99 per 7 days. Whichever you choose, the download price is not the number that matters.

IOU ships an update every 2 weeks, Debtly weekly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | IOU | Debtly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Freemium | — |
| Size | 13 MB | 2 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Sefa Cem Turan](https://appshunter.io/developer/1795692399) |

## 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 |


### Debtly

[App page](https://appshunter.io/ios/app/debtly-personal-debt-tracker/id6760789443)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debtly Pro Weekly | $3.99 | per 7 days |
| Debtly Pro Monthly | $9.99 | per month |
| Debtly Pro Yearly | $29.99 | per year |


## Frequently asked questions

### Is IOU free?

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

### Is Debtly free?

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

### Do IOU or Debtly have ads?

Neither IOU nor Debtly shows ads.

### Which is updated more often, IOU or Debtly?

IOU ships an update every 2 weeks, and Debtly weekly. Most recently, IOU was updated on November 5, 2026 and Debtly 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.*