Comparison

owed vs Debtors list Lite

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

Debtors list Lite

Easily track who owes you money and whom you owe without complex spreadsheets. Record debts, partial payments, and settled amounts with a clean, intuitive interface. Securely lock your financial records with biometric authentication.

Highlights
  • Add debts in seconds
  • Record partial repayments
  • Mark debts as settled
  • Net balance overview
  • Multi-currency support
  • Biometric app lock
Features
Read full description

Debtors list Lite is the simple way to remember who owes you money and whom you owe. No spreadsheets, no sign-up, no clutter. Just your debts, clear totals and optional weekly reminders. ADD A DEBT IN SECONDS • Enter the amount, pick the currency, choose whether you lent or borrowed, and add a name • Record partial repayments: subtract what was paid back and see the new balance instantly • Mark a debt as settled once it's paid SEE THE WHOLE PICTURE • Net balance at the top: what you're owed and what you owe • 10 currencies: USD, EUR, GBP, CHF, PLN, SEK, AUD, JPY, KWD and UAH • Totals converted to US dollars at current exchange rates • Search by name and filter by who owes whom PRIVATE BY DESIGN • No account and no sign-up • Your records are stored only on your iPhone • Lock the app with Face ID or Touch ID A PLEASURE TO USE • Clean, modern design with light and dark themes • Fast, smooth and easy for everyday use PREMIUM: ONE-TIME PURCHASE Debtors list Lite is free with ads. Upgrade once to remove ads and unlock weekly reminders with your current totals. No subscription. Questions or ideas? We'd love to hear from you: vladlytvynets7@gmail.com Privacy Policy: https://docs.google.com/document/d/11BUDsK9Spo-pKMe9JLObqZwTAj3oBscl/edit?usp=share_link&ouid=114599015370342281433&rtpof=true&sd=true Terms of Use: https://docs.google.com/document/d/1JyypEqk0m1lH-Gh65EcjbDYjURJK8RXA/edit?usp=share_link&ouid=114599015370342281433&rtpof=true&sd=true

Screenshots

owed4 screens
Debtors list Lite4 screens

Verdict

The call

The clearest difference is rating: owed at 4.6 against Debtors list Lite's 4.0. owed also leads on in-app purchases (none vs 1) and ads (none vs shown). On price, update cadence 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. Debtors list Lite sells 1 one-off in-app purchase. owed asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

owed holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: owed has 52 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
owed versus Debtors list Lite: the parameters behind the verdict, then further details
ParameterowedDebtors list Lite
PriceFreeFree
Rating4.6 (52 ratings) — better4.0 (1 ratings)
Positive reviews68.9% of reviews—
Number of ratings52 — better1
Update frequencyEvery 3 monthsEvery 3 months
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS12.4 — better17.0
Further details — not scored
Size2 MB18 MB
Age rating4+4+
DeveloperJosh GdovinVladyslav Lytvynets

Customer experience

owed

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

Debtors list Lite

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

Debtors list Lite

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

owed

No in-app purchases

1 purchases

Debtors list Lite

One-time1
  • Premium version$9.99

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Debtors list Lite free?
Debtors list Lite is free to download, with in-app purchases available.
Which has better reviews, owed or Debtors list Lite?
owed is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Debtors list Lite averages 4.0 from 1 ratings.
Do owed or Debtors list Lite have ads?
Debtors list Lite shows ads; owed does not.
Which is updated more often, owed or Debtors list Lite?
owed ships an update every 3 months, and Debtors list Lite every 3 months. Most recently, owed was updated on October 24, 2026 and Debtors list Lite on October 24, 2026.

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