# Owemint vs Let's Settle Up

Owemint and Let's Settle Up 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. Owemint sells 1 one-off in-app purchase and Let's Settle Up sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Owemint ships an update every 8 days, Let's Settle Up weekly. The most recent releases landed on November 9, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Owemint | Let's Settle Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (8 ratings)](https://appshunter.io/ios/app/owemint-you-owe-me/id6766531100/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Weekly** |
| Monetization | Freemium | — |
| Size | 75 MB | 56 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Liam Andryl Atienza](https://appshunter.io/developer/1896299957) | [Michał Salwin](https://appshunter.io/developer/6781202517) |

## What reviewers say

### Owemint

[App page](https://appshunter.io/ios/app/owemint-you-owe-me/id6766531100)

This personal finance tool helps you manage money owed between people without spreadsheets or group chats. Easily track who owes what, record partial payments, and set due date reminders. Keep your debt records private and secure on your device.

**Highlights:** Track money owed to and by you, Record partial payments, Set and receive due date reminders, Attach receipt photos (Pro), App lock with Face ID/Touch ID/PIN, Manual backup and restore, Export records to CSV (Pro)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Owemint Pro (Lifetime) | $2.99 | one-time |


### Let's Settle Up

[App page](https://appshunter.io/ios/app/lets-settle-up-split-bills/id6781202515)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| A small coffee | $0.99 | one-time |
| A hot pizza | $3.99 | one-time |
| A royal dinner | $8.99 | one-time |


## Frequently asked questions

### Is Owemint free?

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

### Is Let's Settle Up free?

Let's Settle Up is free to download, with in-app purchases available.

### Do Owemint or Let's Settle Up have ads?

Neither Owemint nor Let's Settle Up shows ads.

### Which is updated more often, Owemint or Let's Settle Up?

Owemint ships an update every 8 days, and Let's Settle Up weekly. Most recently, Owemint was updated on November 9, 2026 and Let's Settle Up on November 5, 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.*