Money Owed vs Jotter = note + calc
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.
Jotter = note + calc
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Calculate without switching to applications. 1. Insert your text, 2. Calculate 3. Insert the result from the calculator to the text 4. Enjoy
Screenshots
Verdict
The clearest difference is price: Money Owed at Free against Jotter = note + calc's $2.99. Money Owed also leads on device support (4 vs 2). Jotter = note + calc's advantage is in-app purchases (none vs 3) and iOS requirement (13.0 vs 17.0). On ads 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
Money Owed is free to download; Jotter = note + calc costs $2.99 up front. Money Owed sells 3 one-off in-app purchases. Jotter = note + calc asks for nothing beyond the download.
| Parameter | Money Owed | Jotter = note + calc |
|---|---|---|
| Price | Free — better | $2.99 |
| Rating | 1.8 (5 ratings) — better | — |
| Positive reviews | 18.2% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 4 days | — |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPod |
| Requires iOS | 17.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | Eduardo Almeida | Taras Hordiienko |
In-app purchases
Money Owed
- Pro (3 Months)$1.99
- Money Owed Pro$4.99
- Pro (1 year)$5.99
Jotter = note + calc
No in-app purchases
Questions
Is Money Owed free?
Is Jotter = note + calc free?
Do Money Owed or Jotter = note + calc have ads?
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