Comparison

owed vs Debts

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

Debts

This app helps you track all your loans and debts in one place. It offers a user-friendly interface with flexible settings, allowing you to manage contacts, set payment reminders, and view balances across multiple currencies. Record partial repayments and keep a detailed payment history.

Highlights
  • Manage all loans and debts
  • User-friendly interface
  • Contact management
  • Payment reminders via SMS/Email
  • Multi-currency support
  • Record partial repayments
  • Payment history tracking
Features
Read full description

Debts — all your loans and borrowings in one place A simple and intuitive app to manage your debts and loans. • Friendly and easy-to-use interface • Flexible settings for your needs Contacts • Select people from your contact list or add them manually Reminders • Send payment reminders via SMS or Email directly from the app • Call your debtor with a single tap Balance • View total balance for each currency Notifications • Set up custom reminders for repayment • Choose exact date and time of notification Currencies • Supports multiple currencies • Create, edit, and set a default currency Payments • Record partial repayments • Keep track of all payment history Full version Debts is free for up to 2 debts. The full version unlocks unlimited debts: choose a monthly or yearly subscription, or buy it once and keep it forever. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account. You can manage or cancel your subscription in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appbysnap.tilda.ws/privacypolice

Screenshots

owed4 screens
Debts4 screens

Verdict

The call

The clearest difference is in-app purchases: owed at none against Debts's 5. owed also leads on review sentiment (69% vs 44%) and ratings volume (52 vs 2). Debts's advantage is update cadence (every 2 days vs every 3 months) and rating (5.0 vs 4.6). On price, ads and device support 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. Debts sells 4 in-app purchases, starting at $0.99 per month. owed asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debts holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: owed has 52 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 69% of owed's written reviews are positive against 44% of Debts's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

owed ships an update every 3 months, Debts every 2 days. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard7 real differences · 3 level
owed versus Debts: the parameters behind the verdict, then further details
ParameterowedDebts
PriceFreeFree
Rating4.6 (52 ratings)5.0 (2 ratings) — better
Positive reviews68.9% of reviews — better44.4% of reviews
Number of ratings52 — better2
Update frequencyEvery 3 monthsEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS12.4 — better26.0
Further details — not scored
Size2 MB3 MB
Age rating4+4+
DeveloperJosh GdovinAlexander Senin

Customer experience

owed

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

Debts

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive44.4%
Neutral11.1%
Negative44.4%

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

Debts

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

owed

No in-app purchases

4 purchases

Debts

Subscriptions2
  • Monthly$0.991 Month
  • Yearly$8.991 Year
One-time2
  • Tip the developer$0.99
  • Full version — lifetime2 variants$19.99

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Debts free?
Debts is free to download, with in-app purchases available.
Which has better reviews, owed or Debts?
Debts is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Debts averages 5.0 from 2 ratings.
Do owed or Debts have ads?
Neither owed nor Debts shows ads.
Which is updated more often, owed or Debts?
owed ships an update every 3 months, and Debts every 2 days. Most recently, owed was updated on October 24, 2026 and Debts on October 29, 2026.

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