# owed vs Keepfully

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.

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

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.

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

## The numbers

| Metric | owed | Keepfully |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews)** | [3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews) |
| Number of ratings | **52** | 30 |
| Positive reviews | **68.9% of reviews** | 50.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | **Free** | Freemium |
| Size | 2 MB | 15 MB |
| Requires iOS | **12.4** | 18.4 |
| Devices | iPhone, iPod | **iPhone, iPad, Apple Watch, Vision Pro** |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Alexander Kaessner](https://appshunter.io/developer/1273375958) |

## What reviewers say

### owed

[App page](https://appshunter.io/ios/app/owed/id875672885)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

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:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


## Frequently asked 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.

---

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