# IOU vs OweMe

The clearest difference is in-app purchases: OweMe at none against IOU's 3. OweMe also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, ads 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. OweMe asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on October 5, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | IOU | OweMe |
| --- | --- | --- |
| 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 | **No** |
| Ads | No | No |
| Update frequency | Every 10 days | Every 10 days |
| Monetization | Freemium | — |
| Size | 13 MB | 65 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Richard Ng-Zeederberg](https://appshunter.io/developer/6788843344) |

## 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 |


### OweMe

[App page](https://appshunter.io/ios/app/oweme/id6788843101)

**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 OweMe free?

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

### Do IOU or OweMe have ads?

Neither IOU nor OweMe shows ads.

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

IOU ships an update every 10 days, and OweMe every 10 days. Most recently, IOU was updated on October 5, 2026 and OweMe on October 13, 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.*