# IOU vs DebtFlow

The clearest difference is ads: IOU at none against DebtFlow's shown. DebtFlow's advantage is iOS requirement (15.0 vs 17.0). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. IOU sells 3 in-app purchases, starting at $1.99 per month and DebtFlow sells 3 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, DebtFlow every 2 weeks. The most recent releases landed on October 5, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | IOU | DebtFlow |
| --- | --- | --- |
| 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** | Yes |
| Update frequency | **Every 10 days** | Every 2 weeks |
| Monetization | Freemium | — |
| Size | 13 MB | 71 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Ayobami Lawal](https://appshunter.io/developer/1598897718) |

## 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 |


### DebtFlow

[App page](https://appshunter.io/ios/app/debtflow-debt-tracker-iou/id6785288024)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $1.99 | per month |
| 1 Year | $9.99 | per year |
| Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is IOU free?

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

### Is DebtFlow free?

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

### Do IOU or DebtFlow have ads?

DebtFlow shows ads; IOU does not.

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

IOU ships an update every 10 days, and DebtFlow every 2 weeks. Most recently, IOU was updated on October 5, 2026 and DebtFlow on October 10, 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.*