# owed vs Debt Tracker by UnDebt

The clearest difference is in-app purchases: owed at none against Debt Tracker by UnDebt's 2. owed also leads on ratings volume (52 vs 4) and iOS requirement (12.4 vs 17.0). Debt Tracker by UnDebt's advantage is update cadence (every 5 days vs every 3 months) and rating (5.0 vs 4.6). On price, ads and device support there is nothing between them.

Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $3.99 per month. owed asks for nothing beyond the download.

Debt Tracker by UnDebt 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 4, so its average is the more settled of the two.

owed ships an update every 3 months, Debt Tracker by UnDebt every 5 days. Both last shipped on October 24, 2026.

## The numbers

| Metric | owed | Debt Tracker by UnDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews)** |
| Number of ratings | **52** | 4 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 2 MB | 21 MB |
| Requires iOS | **12.4** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Adam Jessop](https://appshunter.io/developer/1728400867) |

## 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


### Debt Tracker by UnDebt

[App page](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488)

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

**Highlights:** Custom debt categories, Interest rate tracking, Track lent and borrowed money, Debt summary and progress tracking, Payment recording, Simple, easy-to-use interface

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $3.99 | per month |
| 12 Month Subscription | $19.99 | per year |


## Frequently asked questions

### Is owed free?

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

### Is Debt Tracker by UnDebt free?

Debt Tracker by UnDebt is free to download, with in-app purchases available.

### Which has better reviews, owed or Debt Tracker by UnDebt?

Debt Tracker by UnDebt is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Debt Tracker by UnDebt averages 5.0 from 4 ratings.

### Do owed or Debt Tracker by UnDebt have ads?

Neither owed nor Debt Tracker by UnDebt shows ads.

### Which is updated more often, owed or Debt Tracker by UnDebt?

owed ships an update every 3 months, and Debt Tracker by UnDebt every 5 days. Most recently, owed was updated on October 24, 2026 and Debt Tracker by UnDebt 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.*