# owed vs iPay

The clearest difference is update cadence: owed at every 3 months against iPay's every 10 months. owed also leads on iOS requirement (12.4 vs 15.6). 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, iPay every 10 months. The most recent releases landed on October 17, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | owed | iPay |
| --- | --- | --- |
| 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** | Every 10 months |
| Monetization | Free | — |
| Size | 2 MB | 39 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Imdadul Haque](https://appshunter.io/developer/1769561251) |

## 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


### iPay

[App page](https://appshunter.io/ios/app/ipay-collection-services/id6702017670)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

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

### Is iPay free?

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

### Do owed or iPay have ads?

Neither owed nor iPay shows ads.

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

owed ships an update every 3 months, and iPay every 10 months. Most recently, owed was updated on October 17, 2026 and iPay on October 6, 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.*