# owed vs Chara

The clearest difference is update cadence: Chara at every 4 days against owed's every 3 months. owed's advantage is iOS requirement (12.4 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.

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

owed ships an update every 3 months, Chara every 4 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | owed | Chara |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews)** | — |
| Number of ratings | **52** | — |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Monetization | Free | — |
| Size | 2 MB | 59 MB |
| Requires iOS | **12.4** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Lucas Dow](https://appshunter.io/developer/6773089722) |

## 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


### Chara

[App page](https://appshunter.io/ios/app/chara-split-bills-and-expenses/id6773089720)

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

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

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

### Is Chara free?

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

### Do owed or Chara have ads?

Neither owed nor Chara shows ads.

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

owed ships an update every 3 months, and Chara every 4 days. Most recently, owed was updated on October 24, 2026 and Chara on October 28, 2026.

---

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