# IOU vs Cobranza Digital

The clearest difference is in-app purchases: Cobranza Digital at none against IOU's 3. IOU's advantage is ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month. Cobranza Digital asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 25, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | IOU | Cobranza Digital |
| --- | --- | --- |
| 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 | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Freemium | — |
| Size | 13 MB | 6 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Amado Mata](https://appshunter.io/developer/1573345784) |

## 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 |


### Cobranza Digital

[App page](https://appshunter.io/ios/app/cobranza-digital/id6764413524)

**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 Cobranza Digital free?

Cobranza Digital is free to download, with no in-app purchases.

### Do IOU or Cobranza Digital have ads?

Cobranza Digital shows ads; IOU does not.

### Which is updated more often, IOU or Cobranza Digital?

IOU ships an update every 2 weeks, and Cobranza Digital every 2 weeks. Most recently, IOU was updated on October 25, 2026 and Cobranza Digital on October 7, 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.*