# owed vs FLO

The clearest difference is in-app purchases: owed at none against FLO's 4. owed also leads on ratings volume (52 vs 3) and iOS requirement (12.4 vs 18.0). FLO's advantage is rating (5.0 vs 4.6) and update cadence (monthly vs every 3 months). On price, ads and device support there is nothing between them.

Both are free to download. FLO sells 4 in-app purchases, starting at $7.99 per month. owed asks for nothing beyond the download.

FLO 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 3, so its average is the more settled of the two.

owed ships an update every 3 months, FLO monthly. The most recent releases landed on October 24, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | owed | FLO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373/reviews)** |
| Number of ratings | **52** | 3 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Freemium |
| Size | 2 MB | 28 MB |
| Requires iOS | **12.4** | 18.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 12+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Travis Anderson](https://appshunter.io/developer/1841271008) |

## 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


### FLO

[App page](https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373)

Manage freelance finances, track expenses, and plan for taxes. Create professional invoices, forecast cash flow, and plan debt payoff. Designed for self-employed professionals and small businesses.

**Highlights:** Proactive tax planning with real-time estimates, Professional invoicing with payment tracking, Smart expense management with receipt scanning, Cash flow forecasting, Debt-free planning tools, Household sharing for family finances

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $7.99 | per month |
| Pro Monthly | $12.99 | per month |
| Premium Yearly | $59.99 | per year |
| Pro Yearly | $99.99 | per year |


## Frequently asked questions

### Is owed free?

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

### Is FLO free?

FLO is free to download, with in-app purchases available.

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

FLO is rated higher. owed averages 4.6 out of 5 from 52 ratings, while FLO averages 5.0 from 3 ratings.

### Do owed or FLO have ads?

Neither owed nor FLO shows ads.

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

owed ships an update every 3 months, and FLO monthly. Most recently, owed was updated on October 24, 2026 and FLO on October 17, 2026.

---

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