# IOU vs SpendPulse

IOU and SpendPulse are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases 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 SpendPulse sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 31, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | IOU | SpendPulse |
| --- | --- | --- |
| 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 | Every 2 weeks |
| Monetization | Freemium | — |
| Size | 13 MB | 4 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [JunSoft Mobile Inc.](https://appshunter.io/developer/338527432) |

## 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 |


### SpendPulse

[App page](https://appshunter.io/ios/app/spendpulse-spend-insights/id6772728066)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $6.99 | per month |
| Pro Yearly | $49.99 | per year |


## Frequently asked questions

### Is IOU free?

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

### Is SpendPulse free?

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

### Do IOU or SpendPulse have ads?

Neither IOU nor SpendPulse shows ads.

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

IOU ships an update every 2 weeks, and SpendPulse every 2 weeks. Most recently, IOU was updated on October 31, 2026 and SpendPulse on October 24, 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.*