Comparison

owed vs PayTogether

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

PayTogether

Features
Read full description

Keeping an eye on monthly expenses gets tricky, when living together with someone but not sharing the same bank account. At times you would like a quick overview about who has spent most, who is up for the next payment of e.g. groceries. With this app you will be able to manage your expenses, list them and share them with family, friends or flat mates. When sharing a list, every member can add own spendings and hence create an overview about the current status. - no limit of lists - synchronization between desktop and mobile app (also for windows available) - invite others and share expense lists - individual expense lists - daily comparison of expenses with list-members - reset expense lists (e.g. at the end of month) - optional a balance of expenses can be kept after list was reset

Screenshots

owed4 screens
PayTogether4 screens

Verdict

The call

The clearest difference is iOS requirement: PayTogether at 8.0 against owed's 12.4. On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

owed ships an update every 3 months, PayTogether every 5 months. The most recent releases landed on November 1, 2026 and October 26, 2026 respectively.

Scorecard1 real difference · 9 level
owed versus PayTogether: the parameters behind the verdict, then further details
ParameterowedPayTogether
PriceFreeFree
Rating4.6 (52 ratings) — better—
Positive reviews68.9% of reviews—
Number of ratings52 — better—
Update frequencyEvery 3 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.48.0 — better
Further details — not scored
Size2 MB91 MB
Age rating4+4+
DeveloperJosh GdovinOliver Sass

Bugs and requests

owed

Reported bugs

17 issues
  • Debit/credit history not ordered
  • Cannot edit notes
  • Editing a debit brings up another debit
  • App crashes when adding new person/money
  • Glitch showing 'NaN' for amounts
Show 12 more
  • Cannot save entry after editing
  • Settings descriptions trail off screen
  • Cannot input values on new iOS
  • Cannot change owing/owed direction
  • Crashed after adding data
  • Message 'No changes were made' when saving notes
  • App crashes when trying to add money
  • App crashes when adding a new person
  • Update removed totals by person
  • Update made app useless for some
  • Writing $20 shows $2,000.00
  • New update has no total display

Requested features

20 requests
  • Add date & time field for debts
  • Display 'total' within 'person' view
  • Summary of money owed/owing on home page
  • Support for multiple currencies
  • Debit/credit history in date order
Show 15 more
  • Ability to save data backups
  • Ability to share lists with others
  • Ability to change notes in history
  • Ability to delete entries in history
  • Ability to share each debt/loan with someone
  • Ability to mark debt as paid
  • Ability to reorder payments via drag and drop
  • Option for recurring payments
  • iCloud sync for cross-device totals
  • Split an expense between all people
  • Ability to change currency symbol
  • Partial payment option to reduce total balance
  • Backdate entries
  • Edit debtor name
  • Add date to loan name

PayTogether

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

owed

No in-app purchases

None

PayTogether

No in-app purchases

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is PayTogether free?
PayTogether is free to download, with no in-app purchases.
Do owed or PayTogether have ads?
Neither owed nor PayTogether shows ads.
Which is updated more often, owed or PayTogether?
owed ships an update every 3 months, and PayTogether every 5 months. Most recently, owed was updated on November 1, 2026 and PayTogether on October 26, 2026.

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