# owed vs TipFairy

The clearest difference is update cadence: TipFairy at daily against owed's every 3 months. TipFairy also leads on rating (5.0 vs 4.6). owed's advantage is ratings volume (52 vs 1) and iOS requirement (12.4 vs 17.6). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

TipFairy 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 1, so its average is the more settled of the two.

owed ships an update every 3 months, TipFairy daily. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | owed | TipFairy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/tipfairy-tip-calculator/id6756760211/reviews)** |
| Number of ratings | **52** | 1 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Daily** |
| Monetization | Free | Free |
| Size | 2 MB | 4 MB |
| Requires iOS | **12.4** | 17.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Diping Huang](https://appshunter.io/developer/1857284807) |

## 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


### TipFairy

[App page](https://appshunter.io/ios/app/tipfairy-tip-calculator/id6756760211)

This privacy-focused app helps you quickly calculate tips and split bills. It features OCR receipt scanning, customizable tip percentages, and full accessibility. All calculations are performed on your device for maximum privacy.

**Highlights:** OCR receipt capture, Preset tip options, Bill splitting, On-device processing, Full accessibility support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

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

### Is TipFairy free?

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

### Which has better reviews, owed or TipFairy?

TipFairy is rated higher. owed averages 4.6 out of 5 from 52 ratings, while TipFairy averages 5.0 from 1 ratings.

### Do owed or TipFairy have ads?

Neither owed nor TipFairy shows ads.

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

owed ships an update every 3 months, and TipFairy daily. Most recently, owed was updated on October 24, 2026 and TipFairy on October 22, 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.*