# IOU Ledger vs Monoline

The clearest difference is price: Monoline at Free against IOU Ledger's $0.99. Monoline also leads on update cadence (every 4 days vs fortnightly) and iOS requirement (17.0 vs 26.2). IOU Ledger's advantage is in-app purchases (none vs 2). On review sentiment, ads and device support there is nothing between them.

Monoline is free to download; IOU Ledger costs $0.99 up front. Monoline sells 2 in-app purchases, starting at $1.99 per month. IOU Ledger asks for nothing beyond the download.

IOU Ledger ships an update fortnightly, Monoline every 4 days. The most recent releases landed on October 31, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | IOU Ledger | Monoline |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Paid | **Freemium** |
| Size | 14 MB | 31 MB |
| Requires iOS | 26.2 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [伟贤 杨](https://appshunter.io/developer/1896481182) | [Plien (KR)](https://appshunter.io/developer/1593228528) |

## What reviewers say

### IOU Ledger

[App page](https://appshunter.io/ios/app/iou-ledger/id6768232837)

Easily track personal loans and repayments with this simple ledger. Record money lent or borrowed, view balances for each contact, and manage multiple currencies. Data is stored privately in iCloud and syncs across your devices.

**Highlights:** Record money lent, borrowed, received, and repaid, View receivables, payables, and currency totals, Track individual contact balances and history, Edit or delete transactions with automatic recalculation, Support for multiple currencies, Data syncs via iCloud

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

**In-app purchases:** none


### Monoline

[App page](https://appshunter.io/ios/app/monoline-ai-expense-tracker/id6776655350)

Effortlessly log expenses with natural language input, voice commands, or receipt scanning. Get AI-powered insights, share ledgers with family, and track spending across multiple currencies and separate accounts. Enjoy detailed reports and secure iCloud backups without needing an account.

**Highlights:** Natural language expense entry, Voice command logging, Receipt scanning and itemization, AI-powered spending analysis, Shared ledgers for families, Multi-currency support, Separate ledgers for different purposes

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monoline Plus | $1.99 | per month |
| Monoline Plus Yearly | $12.99 | per year |


## Frequently asked questions

### Is IOU Ledger free?

IOU Ledger costs $0.99, with no in-app purchases.

### Is Monoline free?

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

### Do IOU Ledger or Monoline have ads?

Neither IOU Ledger nor Monoline shows ads.

### Which is updated more often, IOU Ledger or Monoline?

IOU Ledger ships an update fortnightly, and Monoline every 4 days. Most recently, IOU Ledger was updated on October 31, 2026 and Monoline on November 1, 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.*