# IOU vs Lendnote

The clearest difference is in-app purchases: Lendnote at none against IOU's 3. Lendnote also leads on update cadence (every 4 days vs every 2 weeks). IOU's advantage is ads (none vs shown) and ratings volume (4 vs 1). On price, rating, 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. Lendnote asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for IOU against 5.0 for Lendnote. Both are backed by a comparable volume of ratings — 4 and 1 respectively.

IOU ships an update every 2 weeks, Lendnote every 4 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | IOU | Lendnote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739/reviews) |
| Number of ratings | **4** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Freemium | — |
| Size | 13 MB | 54 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Nam Truong Phuong](https://appshunter.io/developer/6774566741) |

## 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 |


### Lendnote

[App page](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739)

**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 Lendnote free?

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

### Which has better reviews, IOU or Lendnote?

IOU and Lendnote are both rated 5.0 out of 5 on the App Store, from 4 and 1 ratings respectively.

### Do IOU or Lendnote have ads?

Lendnote shows ads; IOU does not.

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

IOU ships an update every 2 weeks, and Lendnote every 4 days. Most recently, IOU was updated on October 25, 2026 and Lendnote 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.*