Comparison

Lendnote vs Duezo

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

Head to head
About

Lendnote

Features
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Tired of forgetting who owes you money - or how much you still owe a friend? Lendnote is a simple debt tracker and loan tracker that helps you record every amount you lend and borrow, so no debt ever slips through the cracks. Whether it's a small loan to a friend or money you borrowed last month, Lendnote keeps your personal finances clear, organized, and always up to date. KEY FEATURES SMART AI INPUT Just type naturally - "Lent John $50 for lunch" - and let AI instantly parse it into a structured transaction. No tedious forms. Review and confirm in one tap. TRACK LENDING AND BORROWING Record four transaction types: Lend, Borrow, Collect, and Repay. Every loan becomes a clear debt record you can follow from start to settled. SMART DASHBOARD See your net balance at a glance - total money owed to you, total you owe, due-soon reminders, and your most recent transactions, all on one screen. STATISTICS AND TRENDS See how much you lend and borrow over time. Pick a period, compare one month against the next, and spot the pattern behind the numbers. PDF STATEMENTS Turn any debt into a clean PDF statement. Preview it first, then send it from any app - handy when someone would rather have the details in writing. PHOTO PROOF Attach photos to a transaction and keep proof of what actually changed hands. INTEREST TRACKING Record an interest rate on a debt and see how much has built up. Interest is shown for reference and is never added to the balance on its own. PARTIAL PAYMENT TRACKING Collecting or repaying money in installments? Lendnote automatically applies each payment to the oldest debt first and updates the remaining balance for you. DEBT RECORDS AND STATUS Monitor every debt through clear stages: Active, Partially Paid, Settled, and Overdue. Progress bars show exactly how much is left. CONTACT MANAGEMENT Organize debts by person. Instantly see each contact's net balance, active debt count, and overdue alerts in one place. DUE-DATE REMINDERS Set a due date on any loan and get a local notification when repayment time arrives. Never chase a forgotten debt again. READY-TO-SEND REMINDERS Need to ask for your money back? Lendnote writes the message for you - choose the tone, edit it if you like, and send it from the app you normally use. SHAREABLE RECEIPTS Share any debt as a tidy receipt image, so both sides are looking at the same record. POWERFUL SEARCH AND FILTERS Find any transaction or debt record fast - search by name or note, filter by type and status, and sort by date or due date. WHY CHOOSE Lendnote PRIVATE BY DESIGN All financial data is stored locally on your device. Your transactions and contacts never leave your phone. APP LOCK Keep Lendnote behind your fingerprint or face, using the lock your device already has. Nothing extra to set up, no PIN to forget. NO ACCOUNT NEEDED Start tracking debts immediately. No sign-up, no email, no hassle. FAST AND INTUITIVE A clean, modern interface designed to log a loan in seconds. AI THAT SAVES TIME The smart parser turns everyday language into accurate records, so you spend less time on data entry. PERFECT FOR Tracking loans between friends and family Keeping proof and paperwork for loans between people who know each other Remembering small IOUs that add up Anyone who wants a clear money lending app without spreadsheets Stop relying on memory and messy notes. Download Lendnote today and take control of every loan you give and every debt you owe - the simple, private debt tracker that keeps your money organized.

About

Duezo

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Never miss a bill or Pay Later payment again. Duezo is a simple countdown app for the money you already know you owe. Add bills, subscriptions, credit cards, and Buy Now Pay Later plans, then see what is due next, how many days are left, and whether you paid it. Duezo is not a budgeting app. It does not connect to your bank, import transactions, or build spending charts. It is built for one job: keeping due dates clear. What you can do with Duezo: - Count down regular bills by due date - Track Pay Later plans from Klarna, Affirm, Afterpay, Shop Pay, PayPal Pay in 4, Sezzle, Zip, and more - See Pay Later progress like "2 of 4 paid" - Add bills manually or scan a photo, screenshot, or PDF with AI Smart Scan - Review scanned details before saving - Save payment links for bills and Pay Later plans - Mark bills and installments paid - See what is due in the next 30 days - Check reminders before due dates - Use Home Screen and Lock Screen widgets - Pick from six themes Privacy stays simple: - No bank linking - No email or mailbox access - No transaction import - No ads or selling your bill data - Delete your account and data from Settings Duezo helps answer the question that actually matters: what do I owe, when is it due, and did I pay it? Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Lendnote4 screens
Duezo4 screens

Verdict

The call

The clearest difference is in-app purchases: Lendnote at none against Duezo's 2. Lendnote also leads on iOS requirement (16.0 vs 18.0). Duezo's advantage is ads (none vs shown). On price, update cadence and device support there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Duezo sells 2 in-app purchases, starting at $3.99 per month. Lendnote asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 days. The most recent releases landed on October 10, 2026 and October 1, 2026 respectively.

Scorecard3 real differences ยท 3 level
Lendnote versus Duezo: the parameters behind the verdict, then further details
ParameterLendnoteDuezo
PriceFreeFree
Update frequencyEvery 3 daysEvery 3 days
AdsYesNo โ€” better
In-app purchasesNo โ€” betterYes
DevicesiPhone, iPad โ€” betteriPhone
Requires iOS16.0 โ€” better18.0
Further details โ€” not scored
Size54 MB14 MB
Age rating4+4+
DeveloperNam Truong PhuongAnthony Dyess

In-app purchases

None

Lendnote

No in-app purchases

2 purchases

Duezo

Subscriptions2
  • Duezo Pro Monthly$3.991 Month
  • Duezo Pro Annual1 Year trial$29.991 Year

Questions

Is Lendnote free?
Lendnote is free to download, with no in-app purchases.
Is Duezo free?
Duezo is free to download, with in-app purchases available.
Do Lendnote or Duezo have ads?
Lendnote shows ads; Duezo does not.
Which is updated more often, Lendnote or Duezo?
Lendnote ships an update every 3 days, and Duezo every 3 days. Most recently, Lendnote was updated on October 10, 2026 and Duezo on October 1, 2026.

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