# IOU vs かした・かりた

The clearest difference is ads: IOU at none against かした・かりた's shown. かした・かりた's advantage is update cadence (every 4 days vs every 2 weeks). On price, review sentiment, in-app purchases 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 and かした・かりた sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

IOU ships an update every 2 weeks, かした・かりた every 4 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | IOU | かした・かりた |
| --- | --- | --- |
| 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 | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 13 MB | 7 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MASON QULIZADA](https://appshunter.io/developer/1869718916) | [KUREHO](https://appshunter.io/developer/1884942706) |

## 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 |


### かした・かりた

[App page](https://appshunter.io/ios/app/id6804360411)

Manage loans and repayments with this app. It automatically calculates repayment plans, generates PDF loan agreements, and tracks balances. Get reminders for due dates and secure your data locally.

**Highlights:** Repayment simulation, Generate PDF loan agreements, Automatic balance updates, Interest rate limit check, Repayment date reminders, App lock and local backup

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| かした・かりた Pro | $9.99 | one-time |


## Frequently asked questions

### Is IOU free?

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

### Is かした・かりた free?

かした・かりた is free to download, with in-app purchases available.

### Do IOU or かした・かりた have ads?

かした・かりた shows ads; IOU does not.

### Which is updated more often, IOU or かした・かりた?

IOU ships an update every 2 weeks, and かした・かりた every 4 days. Most recently, IOU was updated on October 28, 2026 and かした・かりた on October 24, 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.*