Comparison

IOU vs FiadoApp

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

FiadoApp

Manage your credit sales easily and professionally. This app helps small businesses track payments, register customers with photos, and send automatic WhatsApp payment reminders. It offers integrated Pix payments and offline functionality.

Highlights
  • Customer registration with photo
  • Credit sale registration with due dates
  • Automatic WhatsApp payment reminders
  • Integrated Pix payments
  • Open balance summary dashboard
  • PDF reports
  • Offline functionality
Features
Read full description

Controle suas vendas no fiado de forma simples e profissional. O FiadoApp foi criado para pequenos comerciantes que precisam registrar vendas a prazo, acompanhar pagamentos e cobrar clientes sem complicação. PRINCIPAIS RECURSOS: • Cadastre clientes com foto e telefone • Registre vendas no fiado com data de vencimento • Cobranças automáticas pelo WhatsApp com um toque • Receba pagamentos via Pix integrado • Dashboard com resumo de valores em aberto • Relatórios em PDF para compartilhar ou imprimir • Notificações de vencimento automáticas • Funciona offline e sincroniza quando conectado PARA QUEM É: Lanchonetes, mercadinhos, açougues, padarias, salões de beleza, vendedores ambulantes e qualquer negócio que vende a prazo. PLANO PRO: Desbloqueie clientes ilimitados, relatórios avançados e suporte prioritário com uma assinatura acessível. Seus dados são seus — armazenados com segurança e nunca compartilhados. COBRE TODOS OS VENCIDOS DE UMA VEZ (PLANO PRO): Com um toque, o FiadoApp abre o WhatsApp automaticamente para cada cliente com pagamento atrasado, um de cada vez, com a mensagem já pronta. Você só confirma o envio — sem precisar abrir conversa por conversa.

Screenshots

IOU4 screens
FiadoApp4 screens

Verdict

The call

The clearest difference is in-app purchases: FiadoApp at none against IOU's 3. FiadoApp also leads on update cadence (every 4 days vs every 10 days). On price, review sentiment, ads and monetization model there is nothing between them.

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. FiadoApp asks for nothing beyond the download.

UpkeepUpdate frequency

IOU ships an update every 10 days, FiadoApp every 4 days. The most recent releases landed on October 5, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 8 level
IOU versus FiadoApp: the parameters behind the verdict, then further details
ParameterIOUFiadoApp
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings4 — better—
Update frequencyEvery 10 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.4 — better
Further details — not scored
Size13 MB55 MB
Age rating4+4+
DeveloperMASON QULIZADATiago Rafael Batista Soares

Customer experience

IOU

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

FiadoApp

Written reviews7 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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
None

FiadoApp

No in-app purchases

Questions

Is IOU free?
IOU is free to download, with in-app purchases available.
Is FiadoApp free?
FiadoApp is free to download, with no in-app purchases.
Do IOU or FiadoApp have ads?
Neither IOU nor FiadoApp shows ads.
Which is updated more often, IOU or FiadoApp?
IOU ships an update every 10 days, and FiadoApp every 4 days. Most recently, IOU was updated on October 5, 2026 and FiadoApp on October 17, 2026.

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