# owed vs What Do I Owe You?

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.

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

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.

owed ships an update every 3 months, What Do I Owe You? every 6 days. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | owed | What Do I Owe You? |
| --- | --- | --- |
| 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/what-do-i-owe-you/id6758682596/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 | **Every 6 days** |
| Monetization | Free | Free |
| Size | 2 MB | 35 MB |
| Requires iOS | **12.4** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Johnathan Terranova](https://appshunter.io/developer/1874439112) |

## 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


### What Do I Owe You?

[App page](https://appshunter.io/ios/app/what-do-i-owe-you/id6758682596)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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 November 1, 2026 and What Do I Owe You? on October 31, 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.*