# owed vs Payback Balance Tracker

The clearest difference is rating: owed at 4.6 against Payback Balance Tracker's 3.7. owed also leads on review sentiment (69% vs 50%) and ratings volume (52 vs 10). Payback Balance Tracker's advantage is update cadence (every 9 days vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

owed holds the better App Store score, 4.6 against 3.7. That said, the two scores are not equally well evidenced: owed has 52 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 69% of owed's written reviews are positive against 50% of Payback Balance Tracker's.

owed ships an update every 3 months, Payback Balance Tracker every 9 days. The most recent releases landed on October 17, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | owed | Payback Balance Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews)** | [3.7 (10 ratings)](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456/reviews) |
| Number of ratings | **52** | 10 |
| Positive reviews | **68.9% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 9 days** |
| Monetization | Free | Free |
| Size | 2 MB | 43 MB |
| Requires iOS | 12.4 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Matthew Brennan](https://appshunter.io/developer/1463254680) |

## 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


### Payback Balance Tracker

[App page](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456)

Easily track debts and balances among friends without needing to exchange money. This app helps everyone know who owes whom, simplifying shared expenses and reimbursements.

**Highlights:** Track balances between friends, Log what you owe others, Log what others owe you, Simplifies shared expenses, No real money exchange needed

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

owed is free to download, with no in-app purchases.

### Is Payback Balance Tracker free?

Payback Balance Tracker is free to download, with no in-app purchases.

### Which has better reviews, owed or Payback Balance Tracker?

owed is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Payback Balance Tracker averages 3.7 from 10 ratings.

### Do owed or Payback Balance Tracker have ads?

Neither owed nor Payback Balance Tracker shows ads.

### Which is updated more often, owed or Payback Balance Tracker?

owed ships an update every 3 months, and Payback Balance Tracker every 9 days. Most recently, owed was updated on October 17, 2026 and Payback Balance Tracker on October 3, 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.*