# IOU vs FiadoApp

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.

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month. FiadoApp asks for nothing beyond the download.

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.

## The numbers

| Metric | IOU | FiadoApp |
| --- | --- | --- |
| 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 | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 10 days | **Every 4 days** |
| Monetization | Freemium | Freemium |
| Size | 13 MB | 55 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Tiago Rafael Batista Soares](https://appshunter.io/developer/6783416376) |

## 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 |


### FiadoApp

[App page](https://appshunter.io/ios/app/fiadoapp/id6783416254)

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