# IOU vs R3ALITY

The clearest difference is iOS requirement: R3ALITY at 15.0 against IOU's 17.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month and R3ALITY sells 6 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

IOU ships an update every 10 days, R3ALITY every 8 days. The most recent releases landed on October 5, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | IOU | R3ALITY |
| --- | --- | --- |
| 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 10 days | **Every 8 days** |
| Monetization | Freemium | — |
| Size | 13 MB | 59 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [R3NEW Holding Ltd](https://appshunter.io/developer/6776261415) |

## 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 |


### R3ALITY

[App page](https://appshunter.io/ios/app/r3ality/id6776261413)

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 30 receipts/month · Pay monthly | $1.99 | per month |
| 60 receipts/month · Pay monthly | $3.49 | per month |
| Unlimited receipts · Pay monthly | $11.49 | per month |
| 30 receipts/month · Pay annually | $22.99 | per year |
| 60 receipts/month · Pay annually | $36.90 | per year |
| Unlimited receipts · Pay annually | $131.99 | per year |


## Frequently asked questions

### Is IOU free?

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

### Is R3ALITY free?

R3ALITY is free to download, with in-app purchases available.

### Do IOU or R3ALITY have ads?

Neither IOU nor R3ALITY shows ads.

### Which is updated more often, IOU or R3ALITY?

IOU ships an update every 10 days, and R3ALITY every 8 days. Most recently, IOU was updated on October 5, 2026 and R3ALITY on October 11, 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.*