# IOU vs CobraYA

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.

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.

## The numbers

| Metric | IOU | CobraYA |
| --- | --- | --- |
| 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 | — |
| Monetization | Freemium | — |
| Size | 13 MB | 5 MB |
| Requires iOS | **17.0** | 18.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 9+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Yoshio Trejo](https://appshunter.io/developer/1859313603) |

## 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 |


### CobraYA

[App page](https://appshunter.io/ios/app/cobraya/id6766132744)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CobraYA Premium Monthly | $4.99 | per month |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*