Money Owed vs Gift Spending Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Money Owed
Easily track who owes you money and who you owe. Log debts, split bills, and manage shared expenses with friends and family. Features include recurring payments, bill splitting via photo, and offline tracking.
- Track IOUs instantly
- Sync across devices
- Share with groups
- Automate recurring payments
- Split bills with photo
- Offline expense tracking
- Home screen widgets
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Stop guessing who owes what. Money Owed is a local-first ledger for IOUs, shared expenses, loans, roommates, trips, and everyday balances. Record transactions, see a clear running balance, and share an account when everyone needs the same source of truth. TRACK EVERY BALANCE - Create unlimited accounts for friends, family, roommates, trips, loans, or projects. - Record manual and split transactions with descriptions, dates, notes, and calculations. - See whether money is owed to you, owed by you, or settled. - Use a separate currency for each account. Money Owed never converts or combines different currencies. - Work offline. Changes save locally and sync when network is available. SHARE WITH THE RIGHT PEOPLE - Share an account with Read & Write or Read Only access. - Keep a private alias for how a shared account is named on your device. - Invite people using Apple's built-in sharing controls. - Keep both sides up to date with the same shared transactions and balance. SEE THE BIG PICTURE - Follow balances over time with native charts. - Add account balance and accounts list widgets. - View cached balances and quickly add a transaction on Apple Watch. - Add a photo to an account so it is easy to recognize at a glance. MONEY OWED PRO Money Owed Pro adds these tools with a one-time purchase: - Attach receipt images and PDFs to transactions. - Post recurring transactions on daily, weekly, monthly, or yearly schedules. - Apply automatic interest on a schedule you choose. - Import transactions from CSV files. - Export CSV data and PDF statements. - Receive alerts for new manual transactions added by the other side of a shared account.
Gift Spending Tracker
Easily monitor your gift expenditures with this intuitive application. Record details for each gift, assign them to recipients, and visualize your spending patterns through comprehensive summaries and reports.
- Track gifts by person
- Assign images or avatars to recipients
- Add gift title, amount, and links
- Edit gift details
- View spending summaries by person and time
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This simple to use app allows you to track your gift spending, see summaries and reports. * Track what gifts you buy for which person * Choose an image from your library or take one with your camera for each person, or select an avatar. * Add title, amount, image, link and tracking to your gift * Edit your gifts at any time, even assign it to a different person * See your gift spending by person and/or time frame People avatars designed by Skydesign / Freepik
Screenshots
Verdict
The clearest difference is review sentiment: Gift Spending Tracker at 100% against Money Owed's 18%. Gift Spending Tracker also leads on rating (4.8 vs 1.8) and in-app purchases (none vs 5). Money Owed's advantage is update cadence (every 4 days vs every 5 months). On price, ratings volume, ads 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
Both are free to download. Money Owed sells 5 in-app purchases, starting at $2.49 per 3 months. Gift Spending Tracker asks for nothing beyond the download.
Gift Spending Tracker holds the better App Store score, 4.8 against 1.8. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews point the same way: 18% of Money Owed's written reviews are positive against 100% of Gift Spending Tracker's.
Money Owed ships an update every 4 days, Gift Spending Tracker every 5 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Money Owed | Gift Spending Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (5 ratings) | 4.8 (4 ratings) — better |
| Positive reviews | 18.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 5 — better | 4 |
| Update frequency | Every 4 days — better | Every 5 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 17.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 66 MB |
| Age rating | 4+ | 4+ |
| Developer | Eduardo Almeida | Christina Bharara |
Customer experience
Money Owed
Gift Spending Tracker
In-app purchases
Money Owed
- Money Owed Pro (Quarterly)14 Days trial$2.493 Months
- Money Owed Pro (Yearly)14 Days trial$6.491 Year
- Pro (3 Months)$1.99
- Money Owed Pro$4.99
- Pro (1 year)$5.99
Gift Spending Tracker
No in-app purchases
Questions
Is Money Owed free?
Is Gift Spending Tracker free?
Which has better reviews, Money Owed or Gift Spending Tracker?
Do Money Owed or Gift Spending Tracker have ads?
Which is updated more often, Money Owed or Gift Spending Tracker?
Other comparisons
