# owed vs Serrala

The clearest difference is update cadence: Serrala at monthly against owed's every 3 months. owed's advantage is iOS requirement (12.4 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.

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

owed ships an update every 3 months, Serrala monthly. The most recent releases landed on October 4, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | owed | Serrala |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews)** | — |
| Number of ratings | **52** | — |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | — |
| Size | 2 MB | 61 MB |
| Requires iOS | **12.4** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Serrala Cloud Solutions GmbH](https://appshunter.io/developer/561667686) |

## 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


### Serrala

[App page](https://appshunter.io/ios/app/serrala/id1616497795)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

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

### Is Serrala free?

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

### Do owed or Serrala have ads?

Neither owed nor Serrala shows ads.

### Which is updated more often, owed or Serrala?

owed ships an update every 3 months, and Serrala monthly. Most recently, owed was updated on October 4, 2026 and Serrala on September 23, 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.*