Comparison

owed vs Wesplit

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

Wesplit

Easily track and settle shared expenses with friends and family. This app simplifies splitting bills for trips, roommates, or any group activity, ensuring everyone pays their fair share without awkward conversations.

Highlights
  • AI-defined expense categories
  • Image generation for groups
  • Easy cost split tracking
  • IOU and debt tracking
  • Group expense management
  • Customizable expense division
  • Settle up feature
  • Cross-platform sync
Features
Read full description

WeSplit: The Ultimate Free Group Expense Sharing App! Split expense with friends can be a hassle, but with WeSplit, it's easier than ever! Whether you're splitting bills with roommates, planning a group trip, or just keeping track of IOUs between friends. WeSplit simplifies the process and ensures everyone pays their fair share. Say goodbye to confusing spreadsheets and awkward conversations about money! Just split it. Key Features: - Define expense category with AI - Add image for groups with Dall-e 3 from OpenAi - Easy Cost Split Tracking: Add expenses, assign who paid, and specify how the costs should be split. WeSplit does all the calculations for you. - IOU (I Owe You) and Debt Tracking: Keep track of who owes what with our IOU tracker. Our IOU app feature provides clear and transparent breakdowns, helping you manage who owes me money effortlessly. - Group Expenses Made Simple: Create groups for trips, roommates, family expenses, or any occasion where costs are shared. Whether you’re using it as a group expense manager or a group travel expense manager, WeSplit automatically calculates everyone’s share. - Split wisely: Not all expenses are split equally. WeSplit allows you to customize how each expense is divided among group members based on shares. - Settle Up: Ready to pay your friends back? Use the built-in “Settle Up” feature to record payments and close the loop on who’s paid and who still owes. Our settle up app ensures debts are managed smoothly. - Reports & Summaries: Get clear reports on your spending history, who owes what, and settle balances easily. The app provides easy-to-read history to keep everyone informed. - Cross-Platform Sync: Sync your account across multiple devices and access your expenses on the go. Available on both mobile and web, WeSplit ensures you can split the bill wherever you are. - No More Awkward Conversations: WeSplit handles all the math and calculations, so you can avoid uncomfortable talks about money and focus on enjoying time with your friends and family. - Split Bills Offline: Manage your expenses even without an internet connection. - Multi currency balance at glance. Record bills in different currencies and convert with fx rates to desired one. Perfect For: - Roommates: Easily split rent, utilities, and household expenses with a reliable bill splitter. - Group Trips: Track expenses for vacations, road trips, or weekends away. - Couples: Manage shared costs for groceries, dining, and daily expenses. - Friends: Track shared meals, movie nights, and casual outings. - Events: Organize group gifts, parties, or any social event with ease. Why Choose WeSplit? - Simple and Intuitive Design: WeSplit is designed with simplicity in mind. You don’t need to be a math genius to use it. The intuitive interface makes tracking and settling expenses quick and effortless. - Privacy & Security: Your data is safe with us. WeSplit uses encrypted connections to protect your financial information and ensure privacy. - Reliable and Accurate: Avoid confusion with precise calculations. Whether splitting bills equally or customizing shares, WeSplit ensures everything is accurate. - No Hidden Fees: WeSplit is free to use for basic features, with optional premium features for added convenience. No hidden charges or surprise fees. Get Started Today! WeSplit is the easiest and most effective way to manage shared expenses. Download now and join thousands of users who are simplifying their financial lives. Whether you’re looking to use it as a group expense tracker or a bill splitter, WeSplit makes splitting bills free, transparent, and stress-free. With WeSplit, splitting the bill has never been this simple. Enjoy the convenience of a reliable split money app and take control of your shared expenses today! Lear about privacy policy: https://wesplit.app/privacypolicy/ Learn about terms and conditions of Wesplit: https://wesplit.app/terms/ Download WeSplit today and make splitting expenses a breeze!

Screenshots

owed4 screens
Wesplit4 screens

Verdict

The call

The clearest difference is review sentiment: owed at 69% against Wesplit's 0%. owed also leads on in-app purchases (none vs 3) and ratings volume (52 vs 2). Wesplit's advantage is update cadence (every 3 days vs every 3 months) and rating (5.0 vs 4.6). On price, ads 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. Wesplit sells 3 in-app purchases, starting at $0.59 per 7 days. owed asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Wesplit holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: owed has 52 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 69% of owed's written reviews are positive against 0% of Wesplit's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

owed ships an update every 3 months, Wesplit every 3 days. The most recent releases landed on October 17, 2026 and October 1, 2026 respectively.

Scorecard7 real differences · 3 level
owed versus Wesplit: the parameters behind the verdict, then further details
ParameterowedWesplit
PriceFreeFree
Rating4.6 (52 ratings)5.0 (2 ratings) — better
Positive reviews68.9% of reviews — better0.0% of reviews
Number of ratings52 — better2
Update frequencyEvery 3 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.4 — better15.3
Further details — not scored
Size2 MB54 MB
Age rating4+17+
DeveloperJosh GdovinDmitry Ryazantsyev

Customer experience

owed

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

Wesplit

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

owed

No in-app purchases

3 purchases

Wesplit

Subscriptions3
  • 1 Week of Wesplit Plus3 Days trial$0.597 Days
  • 1 Month of Wesplit Plus7 Days trial$1.691 Month
  • 1 Year of Wesplit Plus14 Days trial$15.491 Year

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Wesplit free?
Wesplit is free to download, with in-app purchases available.
Which has better reviews, owed or Wesplit?
Wesplit is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Wesplit averages 5.0 from 2 ratings.
Do owed or Wesplit have ads?
Neither owed nor Wesplit shows ads.
Which is updated more often, owed or Wesplit?
owed ships an update every 3 months, and Wesplit every 3 days. Most recently, owed was updated on October 17, 2026 and Wesplit on October 1, 2026.

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