# Stow vs Owed.today

Stow and Owed.today are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Stow sells 3 in-app purchases, starting at $4.99 per month and Owed.today sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Stow ships an update every 4 days, Owed.today every 3 days. The most recent releases landed on October 4, 2026 and September 29, 2026 respectively.

## The numbers

| Metric | Stow | Owed.today |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 4 days | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 13 MB | 3 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Max Koumarelas](https://appshunter.io/developer/1893513228) | [Jimmy Leimonitis](https://appshunter.io/developer/6792718823) |

## What reviewers say

### Stow

[App page](https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901)

This privacy-focused app helps you manage your money using the envelope budgeting method. Easily divide your income into virtual envelopes, track spending in real-time, and always know your available balance. It operates entirely offline, keeping your financial data secure on your device.

**Highlights:** Envelope budgeting, Offline operation, Privacy-focused, Quick transaction logging, Customizable envelopes, Multi-currency support

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Stow Premium — Monthly | $4.99 | per month |
| Stow Premium — Annual | $39.99 | per year |
| Stow Premium — Lifetime | $59.99 | one-time |


### Owed.today

[App page](https://appshunter.io/ios/app/owedtoday/id6792718821)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Owed in Full, Monthly | $4.99 | per month |
| Owed in Full, Yearly | $24.99 | per year |
| Owed in Full, Lifetime | $59.99 | one-time |


## Frequently asked questions

### Is Stow free?

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

### Is Owed.today free?

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

### Do Stow or Owed.today have ads?

Neither Stow nor Owed.today shows ads.

### Which is updated more often, Stow or Owed.today?

Stow ships an update every 4 days, and Owed.today every 3 days. Most recently, Stow was updated on October 4, 2026 and Owed.today on September 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.*