Comparison

owed vs What Do I Owe You?

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

What Do I Owe You?

Effortlessly divide group expenses, including all additional charges like tax and tip. Simply input the total bill and individual orders to see a clear breakdown of each person's fair share. Share a summary to facilitate easy repayment.

Highlights
  • Split group bills easily
  • Include tax, tip, and fees
  • Add individual orders
  • Automatic share calculation
  • Clear breakdown of who owes what
  • Share payment summaries
Features
Read full description

What Do I Owe You? makes splitting group bills painless. Enter your grand total with tax, tip, delivery, and any other misc. service charges, then add each person and their order. The app automatically calculates everyone’s fair share—including all the extra fees—so you don’t have to do any math. -Include tax, tip, fees, delivery and misc. service charges in one total. -Add people and notes for what they ordered. -See a clear breakdown of who owes what. -Share a clean summary so everyone can pay you back. Perfect for dinners out, takeout nights, trips, and any time you’re covering the bill for a group.

Screenshots

owed4 screens
What Do I Owe You?2 screens

Verdict

The call

The clearest difference is update cadence: What Do I Owe You? at every 6 days against owed's every 3 months. What Do I Owe You? also leads on rating (5.0 vs 4.6). owed's advantage is ratings volume (52 vs 1) and iOS requirement (12.4 vs 15.1). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

What Do I Owe You? 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.

UpkeepUpdate frequency

owed ships an update every 3 months, What Do I Owe You? every 6 days. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

Scorecard4 real differences · 6 level
owed versus What Do I Owe You?: the parameters behind the verdict, then further details
ParameterowedWhat Do I Owe You?
PriceFreeFree
Rating4.6 (52 ratings)5.0 (1 ratings) — better
Positive reviews68.9% of reviews—
Number of ratings52 — better1
Update frequencyEvery 3 monthsEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.4 — better15.1
Further details — not scored
Size2 MB35 MB
Age rating4+4+
DeveloperJosh GdovinJohnathan Terranova

Bugs and requests

owed

Reported bugs

17 issues
  • 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
Show 12 more
  • Cannot save entry after editing
  • Settings descriptions trail off screen
  • Cannot input values on new iOS
  • Cannot change owing/owed direction
  • Crashed after adding data
  • Message 'No changes were made' when saving notes
  • App crashes when trying to add money
  • App crashes when adding a new person
  • Update removed totals by person
  • Update made app useless for some
  • Writing $20 shows $2,000.00
  • New update has no total display

Requested features

20 requests
  • 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
Show 15 more
  • Ability to save data backups
  • Ability to share lists with others
  • Ability to change notes in history
  • Ability to delete entries in history
  • Ability to share each debt/loan with someone
  • Ability to mark debt as paid
  • Ability to reorder payments via drag and drop
  • Option for recurring payments
  • iCloud sync for cross-device totals
  • Split an expense between all people
  • Ability to change currency symbol
  • Partial payment option to reduce total balance
  • Backdate entries
  • Edit debtor name
  • Add date to loan name

What Do I Owe You?

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

owed

No in-app purchases

None

What Do I Owe You?

No in-app purchases

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is What Do I Owe You? free?
What Do I Owe You? is free to download, with no in-app purchases.
Which has better reviews, owed or What Do I Owe You??
What Do I Owe You? is rated higher. owed averages 4.6 out of 5 from 52 ratings, while What Do I Owe You? averages 5.0 from 1 ratings.
Do owed or What Do I Owe You? have ads?
Neither owed nor What Do I Owe You? shows ads.
Which is updated more often, owed or What Do I Owe You??
owed ships an update every 3 months, and What Do I Owe You? every 6 days. Most recently, owed was updated on October 24, 2026 and What Do I Owe You? on October 31, 2026.

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