# Money Owed vs Study Timer

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.

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.

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.

## The numbers

| Metric | Money Owed | Study Timer |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (4 ratings)](https://appshunter.io/ios/app/money-owed/id715131049/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 18.2% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 4 days | **Every 2 days** |
| Monetization | Freemium | — |
| Size | 28 MB | 36 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Eduardo Almeida](https://appshunter.io/developer/1366596748) | [Ryan Impey](https://appshunter.io/developer/1773084455) |

## What reviewers say

### Money Owed

[App page](https://appshunter.io/ios/app/money-owed/id715131049)

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:** Apple Watch app, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Money Owed Pro (Quarterly) | $2.49 | per 3 months |
| Money Owed Pro (Yearly) | $6.49 | per year |
| Pro (3 Months) | $1.99 | one-time |
| Money Owed Pro | $4.99 | one-time |
| Pro (1 year) | $5.99 | one-time |


### Study Timer

[App page](https://appshunter.io/ios/app/study-timer-focus-fish/id6745766537)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*