Comparison

Money Owed vs Study Timer

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

Head to head
About

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.

Highlights
  • Track IOUs instantly
  • Sync across devices
  • Share with groups
  • Automate recurring payments
  • Split bills with photo
  • Offline expense tracking
  • Home screen widgets
Features
Read full description

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.

About

Study Timer

Features
Read full description

A fun study timer for better focus and productivity! Focus Fish is a cute study timer that helps you stay focused while turning your study time into a fun little fishing game! Designed in a cozy pixel art style, this focus keeper rewards your study sessions with an adorable fishing game! Stay focused and productive for longer to catch more fish! Whether you're doing homework, reading, or working on a project, Focus Fish makes your screen a place of productivity, not distraction. It’s a study focus tool, helping you stay engaged in whatever productive task you're working on, without the urge to reach for your phone. When you start a study timer session, your fishing rod is cast! Make sure you stay focused, or you'll lose any chance you had of catching a fish! Why Focus Fish? - Acts as a calming focus keeper for your study sessions - Fun game timer that rewards productivity with cute fish - Helps you avoid distractions and stop reaching for your phone - Designed with charming pixel art to keep things cozy and motivating - Works great as a productivity timer for school, creative work, or quiet time Focus Fish makes tracking your focus and study sessions more rewarding than ever. Browse your complete fish collection gallery to see every fish you’ve reeled in during your focus and study sessions, turning your studying efforts into a colorful display of pixel-art trophies. Set a weekly focus goal, just specify how many minutes of focused study or timer for studying sessions you want to complete each week, and let the app’s built-in focus timer keep you motivated and on track toward meeting your study targets. Our focus sessions overview gives you instant insights into your most recent timer blocks. Whether you’re using our for deep focus, or to help you study, you’ll see session lengths, fish caught, and progress toward your weekly focus goal all in one place. Keep your productivity levels high with this powerful combo of fun fishing gameplay and purpose-built study timers. Whether you’re a student needing a study timer, someone trying to stay off your phone, or just looking for a more enjoyable way to focus, Focus Fish is the cute timer you’ve been waiting for! It’s fun, simple, and motivating! Use our focus timer to power through tasks, to help you divide your study sessions, to track your focused hours to see how longer you've studied for! Start catching fish, meeting your weekly focus goal, and reviewing your recent sessions today - stay focused and productive, one fun fishing session at a time! Focus Fish helps you stay present and get things done. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://impey.dev/policies/focusfish-terms Privacy Policy: https://impey.dev/policies/focusfish-privacy/

Screenshots

Money Owed4 screens
Study Timer4 screens

Verdict

The call

The clearest difference is in-app purchases: Study Timer at none against Money Owed's 5. Study Timer also leads on update cadence (every 2 days vs every 4 days) and iOS requirement (15.1 vs 17.0). Money Owed's advantage is ads (none vs shown) and device support (4 vs 2). On price 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money Owed sells 5 in-app purchases, starting at $2.49 per 3 months. Study Timer asks for nothing beyond the download.

UpkeepUpdate frequency

Money Owed ships an update every 4 days, Study Timer every 2 days. The most recent releases landed on October 5, 2026 and September 30, 2026 respectively.

Scorecard5 real differences · 5 level
Money Owed versus Study Timer: the parameters behind the verdict, then further details
ParameterMoney OwedStudy Timer
PriceFreeFree
Rating1.0 (4 ratings) — better—
Positive reviews18.2% of reviews—
Number of ratings4 — better—
Update frequencyEvery 4 daysEvery 2 days — better
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size28 MB36 MB
Age rating4+4+
DeveloperEduardo AlmeidaRyan Impey

In-app purchases

5 purchases

Money Owed

Subscriptions2
  • Money Owed Pro (Quarterly)14 Days trial$2.493 Months
  • Money Owed Pro (Yearly)14 Days trial$6.491 Year
One-time3
  • Pro (3 Months)$1.99
  • Money Owed Pro$4.99
  • Pro (1 year)$5.99
None

Study Timer

No in-app purchases

Questions

Is Money Owed free?
Money Owed is free to download, with in-app purchases available.
Is Study Timer free?
Study Timer is free to download, with no in-app purchases.
Do Money Owed or Study Timer have ads?
Study Timer shows ads; Money Owed does not.
Which is updated more often, Money Owed or Study Timer?
Money Owed ships an update every 4 days, and Study Timer every 2 days. Most recently, Money Owed was updated on October 5, 2026 and Study Timer on September 30, 2026.

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