Comparison

Who Owes Me vs Splitap

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Who Owes Me

Easily track money owed, borrowed, and personal debts in one organized place. Record debts, monitor repayments, and view balances for everyday situations like splitting bills or informal loans. Keep a clear log of all transactions without complex financial tools.

Highlights
  • Track money owed and borrowed
  • Record partial repayments
  • Monitor individual balances
  • View payment history
  • Add notes to transactions
  • Keep a clear debt log
Features
Read full description

Who Owes Me – OweList is a simple IOU tracker designed to help you keep track of money owed, borrowed money, and personal debts in one place. If you lend money to friends, split bills, or cover shared expenses, it can be easy to forget who still owes you and how much. OweList helps you record debts, track repayments, and monitor balances in a clear and organized way. The app focuses on everyday situations where you need a practical way to manage money owed without using complex financial tools. Track Money Owed With OweList you can: • Add people who owe you money • Record amounts lent or borrowed • Track partial repayments • See remaining balances • View payment history • Keep a clear debt log Everything is organized so you can quickly check open debts and completed repayments. Designed for Real Life OweList can be useful for: • Splitting restaurant bills • Sharing rent or utilities • Lending small amounts to friends • Tracking informal loans • Managing shared expenses Instead of using notes or spreadsheets, you can keep all records in one place. Clear Overview The app provides a straightforward view of: • Total money owed • Individual balances • Open and closed debts • Transaction history Each entry is recorded in a structured log, helping you understand what has been paid and what is still pending. Flexible and Easy to Use • Add notes to transactions • Edit or update records anytime • Record dates of repayments • Track multiple people • Keep a history of all entries The interface is designed to be simple so you can add and review debts quickly. Private and Local Your data stays on your device. No complicated setup is required. OweList is built for personal tracking of money owed and repayments. It does not provide financial advice or formal loan management features. If you are looking for a practical way to track who owes you money and keep a record of repayments, Who Owes Me – OweList offers a straightforward solution. Download the app and keep your money owed organized. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Splitap

Features
Read full description

Splitap makes it easy to track shared expenses with friends, roommates, couples, and travel groups. Create groups, add expenses in seconds, and automatically calculate who owes what. Whether you're traveling, sharing rent, planning events, or managing daily expenses, Splitap keeps everything organized and transparent. Features • Split expenses with friends and groups • Real-time balance tracking • Smart settlement: clear every balance with the fewest payments • Receipt scanning that fills in the items for you • Split equally, by percentage, by custom amounts, or by item • Nearby sharing: hold your phones together to join a group or split a bill • Multi-currency groups with automatic exchange rates • Counters for the non-money stuff: who drove, who hosted, who cooked • Clean activity history and payment tracking Splitap helps groups spend less time calculating and more time enjoying the moment.

Screenshots

Who Owes Me4 screens
Splitap4 screens

Verdict

The call

The clearest difference is ads: Splitap at none against Who Owes Me's shown. Splitap also leads on iOS requirement (15.1 vs 17.6). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Who Owes Me sells 2 in-app purchases, starting at $9.99 per month and Splitap sells 14 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Who Owes Me ships an update every 6 weeks, Splitap every 3 weeks. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Who Owes Me versus Splitap: the parameters behind the verdict, then further details
ParameterWho Owes MeSplitap
PriceFreeFree
Rating3.3 (4 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings4 — better—
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.1 — better
Further details — not scored
Size15 MB57 MB
Age rating4+4+
DeveloperAkyno AppsTaulant Mehmeti

In-app purchases

2 purchases

Who Owes Me

Subscriptions1
  • PRO Monthly$9.991 Month
One-time1
  • Lifetime PRO$59.99
14 purchases

Splitap

One-time14
  • 10 AI Receipt Scans$0.99
  • Create 1 Group$0.99
  • 30 Scan Credits$0.99
Show 11 more
  • Group Slot + 30 Scans$1.49
  • 60 Scan Credits$1.79
  • Unlimited Expenses$1.99
  • 30 AI Receipt Scans$1.99
  • Group Slot + 60 Scans$2.29
  • 100 Scan Credits$2.49
  • Splitap Circle$2.99
  • 50 AI Receipt Scans$2.99
  • Group Slot + 100 Scans$2.99
  • Splitap Flow$3.99
  • Splitap Beyond$4.99

Questions

Is Who Owes Me free?
Who Owes Me is free to download, with in-app purchases available.
Is Splitap free?
Splitap is free to download, with in-app purchases available.
Do Who Owes Me or Splitap have ads?
Who Owes Me shows ads; Splitap does not.
Which is updated more often, Who Owes Me or Splitap?
Who Owes Me ships an update every 6 weeks, and Splitap every 3 weeks. Most recently, Who Owes Me was updated on October 28, 2026 and Splitap on October 24, 2026.

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