# owed vs Debtors list Lite

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.

Both are free to download. Debtors list Lite sells 1 one-off in-app purchase. owed asks for nothing beyond the download.

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.

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

## The numbers

| Metric | owed | Debtors list Lite |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews)** | [4.0 (1 ratings)](https://appshunter.io/ios/app/debtors-list-lite/id1661634205/reviews) |
| Number of ratings | **52** | 1 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 2 MB | 18 MB |
| Requires iOS | **12.4** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Vladyslav Lytvynets](https://appshunter.io/developer/1660079103) |

## 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


### Debtors list Lite

[App page](https://appshunter.io/ios/app/debtors-list-lite/id1661634205)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium version | $9.99 | one-time |


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