# IOU vs Float

The clearest difference is price: IOU at Free against Float's $9.99. Float's advantage is in-app purchases (none vs 3). On review sentiment, update cadence, ads and device support there is nothing between them.

IOU is free to download; Float costs $9.99 up front. IOU sells 3 in-app purchases, starting at $1.99 per month. Float asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on November 5, 2026.

## The numbers

| Metric | IOU | Float |
| --- | --- | --- |
| Price | **Free** | $9.99 |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | **Freemium** | Paid |
| Size | 13 MB | 3 MB |
| Requires iOS | **17.0** | 17.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Sylvain Decoste](https://appshunter.io/developer/1533006912) |

## 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 |


### Float

[App page](https://appshunter.io/ios/app/float-budget-and-finance-tools/id6761872271)

Manage budgets, track expenses, and store receipts with this comprehensive financial toolkit. It offers tools for bill splitting, payment information protection, and financial calculations. All your data is kept private and synced across your Apple devices.

**Highlights:** Independent budget management, Receipt scanning and organization, Bill splitting calculator, Payment information vault, Mortgage and loan calculators, Live currency converter

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

**In-app purchases:** none


## Frequently asked questions

### Is IOU free?

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

### Is Float free?

Float costs $9.99, with no in-app purchases.

### Do IOU or Float have ads?

Neither IOU nor Float shows ads.

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

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