Comparison

owed vs Keepfully

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

Head to head
About

owed

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Highlights
  • Track multiple debts per person
  • Use contacts to add people
  • Set notifications
  • Send email/SMS reminders
  • Update contact information
  • View transaction history
Features
Read full description

Version 2 is here! What is new in this version? In a nutshell, everything! Do you borrow money? Do you lend money to your friends? Maybe your family is on your mobile family plan ( you know that mobile plan that no one actually knows what they owe the plan owner each month). If one or all of these fits you, then you're going to love owed! Here is just a sample of some key features: • FREE to use and no sign-up requirement. Seriously who doesn't like free? This also means you should limit your list of demands on what the app needs to do. Remember, it's FREE. • Keep track of multiple entries for each person. If you're like me, you have that one friend (Carl) that is constantly borrowing something. Now you can keep tabs on Carl and what he owes you. • Use your contacts to create new people. Now it's super easy to add Carl's information to the owed app. (Thanks Apple Contacts) • Set Notifications. I promise this time they work! • Send email or SMS reminders. Email not your thing? No worries. Send that person a text message directly from the owed app! • 3D touch enabled Maybe you have it, maybe you don't. But if you do, good for you, as owed is now using 3D touch! • Update person's information. You know, like if Carl tries to change his legal name to Chuck. Well bad news, Chuck. Owed makes it really easy to update a contact's name. • View the history of your statements. If Chuck tries to argue that he didn't borrow more money on top of what he already owes you for lunch, now you can show him the exact day he borrowed money for that Happy Meal. If you like what you see, please rate the app! Thanks for checking out the app, we hope you enjoy it as much as we do!

About

Keepfully

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

Screenshots

owed4 screens
Keepfully4 screens

Verdict

The call

The clearest difference is rating: owed at 4.6 against Keepfully's 3.9. owed also leads on in-app purchases (none vs 1) and review sentiment (69% vs 50%). Keepfully's advantage is device support (4 vs 2). On price, ratings volume, update cadence and 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Keepfully sells 1 one-off in-app purchase. owed asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

owed holds the better App Store score, 4.6 against 3.9. Both are backed by a comparable volume of ratings — 52 and 30 respectively. Written reviews point the same way: 69% of owed's written reviews are positive against 50% of Keepfully's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on September 30, 2026 and September 24, 2026 respectively.

Scorecard6 real differences · 4 level
owed versus Keepfully: the parameters behind the verdict, then further details
ParameterowedKeepfully
PriceFreeFree
Rating4.6 (52 ratings) — better3.9 (30 ratings)
Positive reviews68.9% of reviews — better50.0% of reviews
Number of ratings52 — better30
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad, Apple Watch, Vision Pro — better
Requires iOS12.4 — better18.4
Further details — not scored
Size2 MB15 MB
Age rating4+4+
DeveloperJosh GdovinAlexander Kaessner

Customer experience

owed

All ratings52 ratings
Positive88.5%
Neutral5.8%
Negative5.8%
Written reviews45 reviews
Positive68.9%
Neutral8.9%
Negative22.2%

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

owed

No in-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Which has better reviews, owed or Keepfully?
owed is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Keepfully averages 3.9 from 30 ratings.
Do owed or Keepfully have ads?
Neither owed nor Keepfully shows ads.
Which is updated more often, owed or Keepfully?
owed ships an update every 3 months, and Keepfully every 3 months. Most recently, owed was updated on September 30, 2026 and Keepfully on September 24, 2026.

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