Comparison

IOU vs CobraYA

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IOU

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
Read full description

OweTracker is a simple personal debt tracker for money you lend, borrow, and owe — without spreadsheets or guesswork. Track rent, shared expenses, personal loans, IOUs, recurring bills, and everyday paybacks in one clear place. See what's owed, what's paid, what's coming next, and when it's time to settle up. Track personal debts with clarity Filter between money you owe and money owed to you with a single tap See totals, payment history, and remaining balances at a glance Save with confidence — the button tells you exactly what you're saving Add notes to keep context on every entry Built for recurring payments Track recurring charges like rent, phone bills, subscriptions, or ongoing loans Set charges to repeat weekly, every two weeks, or monthly Schedule future recurring charges before a balance is due See upcoming charges before they happen Stay organized even when payments change over time Record payments easily Log partial or full payments in seconds Watch balances update instantly Never lose track of who paid what Settle up clearly Create simple settle-up cards when it's time to close the loop Share clean payment summaries for rent, bills, loans, or everyday paybacks Help everyone see what was owed, what was paid, and what remains Made for wherever you are Works in 150+ currencies Available in 12 languages Private by design No ads No data selling Your financial tracking stays on your device Upgrade to Pro OweTracker includes a free version with basic tracking and settle-up cards. Upgrade to Pro to unlock: Unlimited debts Unlimited recurring charges Custom quick notes for faster entry Subscriptions help support continued development and keep OweTracker private and ad-free. If you've ever said "I'll remember later" — OweTracker is for you. Privacy Policy: https://sites.google.com/view/owetracker-privacy-policy/home Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

CobraYA

Features
Read full description

CobraYA: Tu Facturación y Cuentas de Cobro en el Bolsillo ¿Cansado de perder tiempo haciendo cuentas de cobro manuales o en hojas de cálculo complicadas? CobraYA es la aplicación definitiva diseñada para profesionales independientes, freelancers y pequeñas empresas que necesitan cobrar por sus servicios de forma rápida, profesional y sin complicaciones. Lleva el control total de tus ingresos desde tu iPhone o iPad. Con CobraYA, generar un PDF elegante y listo para enviar a tus clientes te tomará menos de un minuto. CARACTERÍSTICAS PRINCIPALES: • Cuentas de Cobro en Segundos: Crea facturas y cuentas de cobro profesionales con un diseño limpio y moderno. • Gestión de Clientes: Guarda la información de tus clientes (NIT, CC, correo, teléfono) para autocompletar tus próximos cobros al instante. • Catálogo de Productos y Servicios: Crea tu propio catálogo con precios y categorías para agilizar la facturación. • PDFs Listos para Enviar: Genera documentos PDF de alta calidad que puedes compartir por WhatsApp, correo electrónico o guardar en tu dispositivo. • Personalización Total: Agrega el logo de tu empresa, configura tus datos bancarios, aplica impuestos (IVA) y personaliza los formatos numéricos y el idioma. • Organización Multi-empresa: ¿Tienes varios negocios? Gestiona múltiples perfiles de empresa desde una sola aplicación (Función Premium). • Control de Estado: Mantén un registro claro de lo que has cobrado y lo que te deben. DISEÑADA PARA TI: CobraYA está optimizada con los tipos de documentos legales (NIT, CC, CE, etc.) y soporta tanto a personas naturales como jurídicas, adaptándose perfectamente a tus necesidades comerciales. LLEVA TU NEGOCIO AL SIGUIENTE NIVEL CON PREMIUM: Empieza gratis y descubre todo lo que CobraYA puede hacer por ti (hasta 3 facturas y 1 empresa sin costo). Cuando tu negocio crezca, pásate a CobraYA Premium para desbloquear: Facturas y cuentas de cobro ilimitadas. Creación de múltiples empresas. Estadísticas avanzadas. Soporte prioritario. ¡Descarga CobraYA hoy mismo, profesionaliza tu imagen y asegúrate de cobrar a tiempo por tu excelente trabajo! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://docs.google.com/document/d/1_79g5JDKgY-GVgLHSUp7lP3zYZM24n0DmoUSZtqF8Go/edit?usp=drive_link

Screenshots

IOU4 screens
CobraYA4 screens

Verdict

The call

IOU and CobraYA are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month and CobraYA sells 1 in-app purchase, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ScorecardNo meaningful differences
IOU versus CobraYA: the parameters behind the verdict, then further details
ParameterIOUCobraYA
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings4 — better—
Update frequencyEvery 2 weeks—
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.6
Further details — not scored
Size13 MB5 MB
Age rating4+9+
DeveloperMASON QULIZADAYoshio Trejo

In-app purchases

3 purchases

IOU

Subscriptions2
  • OweTracker Pro – Monthly$1.991 Month
  • OweTracker Pro$17.991 Year
One-time1
  • OweTracker Pro – Lifetime$19.99
1 purchases

CobraYA

Subscriptions1
  • CobraYA Premium Monthly$4.991 Month

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is CobraYA free?
CobraYA is free to download, with in-app purchases available.
Do IOU or CobraYA have ads?
Neither IOU nor CobraYA shows ads.

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