# owed vs Debts

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.

Both are free to download. Debts sells 4 in-app purchases, starting at $0.99 per month. owed asks for nothing beyond the download.

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.

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.

## The numbers

| Metric | owed | Debts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627/reviews)** |
| Number of ratings | **52** | 2 |
| Positive reviews | **68.9% of reviews** | 44.4% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 2 MB | 3 MB |
| Requires iOS | **12.4** | 26.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Alexander Senin](https://appshunter.io/developer/697788524) |

## 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

**What reviewers like**

- 👍 Simple and easy to use
- 💰 Free with no ads/purchases
- ✨ Clean and intuitive UI
- 🎯 Does exactly what it promises
- 💡 Useful for personal and business

**What reviewers complain about**

- 📉 Extremely limited functionality
- 🗂️ Debit/credit history not ordered
- ❓ Lacks advanced features
- 🤷‍♂️ Editing/deleting options poor
- ⚠️ Some minor bugs reported

**Reported bugs**

- 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

**Requested features**

- 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


### Debts

[App page](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627)

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:** macOS Compatibility, Vision Pro support, iPhone Duo support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $8.99 | per year |
| Tip the developer | $0.99 | one-time |
| Full version — lifetime | $19.99 | one-time |


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