# IOU vs Citizen Calculator Lite

The clearest difference is in-app purchases: Citizen Calculator Lite at none against IOU's 3. IOU's advantage is update cadence (every 2 weeks vs every 5 weeks). On price, ads, device support and iOS requirement there is nothing between them.

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

IOU ships an update every 2 weeks, Citizen Calculator Lite every 5 weeks. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | IOU | Citizen Calculator Lite |
| --- | --- | --- |
| 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 2 weeks** | Every 5 weeks |
| Monetization | Freemium | — |
| Size | 13 MB | 2 MB |
| Requires iOS | **17.0** | 18 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [Gadhiya Bhavnaben](https://appshunter.io/developer/1828369712) |

## 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 |


### Citizen Calculator Lite

[App page](https://appshunter.io/ios/app/citizen-calculator-lite/id6789110444)

**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 Citizen Calculator Lite free?

Citizen Calculator Lite is free to download, with no in-app purchases.

### Do IOU or Citizen Calculator Lite have ads?

Neither IOU nor Citizen Calculator Lite shows ads.

### Which is updated more often, IOU or Citizen Calculator Lite?

IOU ships an update every 2 weeks, and Citizen Calculator Lite every 5 weeks. Most recently, IOU was updated on November 5, 2026 and Citizen Calculator Lite on October 31, 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.*