# IOU vs Cuenta Clara

The clearest difference is ads: IOU at none against Cuenta Clara's shown. Cuenta Clara's advantage is update cadence (every 4 days vs every 2 weeks) and iOS requirement (15.0 vs 17.0). On price, 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 Cuenta Clara 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, Cuenta Clara every 4 days. The most recent releases landed on October 28, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | IOU | Cuenta Clara |
| --- | --- | --- |
| 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 2 weeks | **Every 4 days** |
| Monetization | Freemium | — |
| Size | 13 MB | 21 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) | [DAVID VILCHEZ SANCHEZ](https://appshunter.io/developer/6807029565) |

## 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 |


### Cuenta Clara

[App page](https://appshunter.io/ios/app/cuenta-clara-split-expenses/id6807029563)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cuenta Clara PRO | $3.99 | one-time |


## Frequently asked questions

### Is IOU free?

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

### Is Cuenta Clara free?

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

### Do IOU or Cuenta Clara have ads?

Cuenta Clara shows ads; IOU does not.

### Which is updated more often, IOU or Cuenta Clara?

IOU ships an update every 2 weeks, and Cuenta Clara every 4 days. Most recently, IOU was updated on October 28, 2026 and Cuenta Clara on October 29, 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.*