owed vs tab.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track multiple debts per person
- Use contacts to add people
- Set notifications
- Send email/SMS reminders
- Update contact information
- View transaction history
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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!
tab.
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tab. is the public ledger for who owes who. Someone swore they'd pay you back for the concert tickets, the group dinner, the Uber, the Airbnb… and then went quiet. tab. turns that awkward "hey, you still owe me" text into a clean, public receipt. Terms & conditions: https://thetab.io/terms How it works • File a tab — name who owes, the amount, and why, and attach proof (a receipt, a Venmo screenshot, a text thread). • It's private at first — the person you name gets a window to pay, dispute, or ask for forgiveness before anything goes public. • If it goes unresolved, the claim joins the public ledger — and the leaderboard of who owes the most. Built to be fair, not cruel Every tab is a claim by the filer — not a verified fact or a judgment. The person named can always dispute it, ask for forgiveness, or mark it settled. Proof is required to file, and it's only ever visible to the two people involved. Features • Global live ledger + a leaderboard of who owes the most • File solo tabs or split a bill across a group • Settle, forgive, or dispute — right from the receipt • Share-card receipts you can post anywhere • Sign in with Apple, Face ID lock, and push notifications tab. Pro Go Pro for unlimited tabs, auto-reminders that nudge debtors until they pay, custom receipt themes, viewer insights ("who's looking"), and a verified badge. Monthly or yearly. Settle up. Out in the open.tab. is the simplest way to keep track of who owes who — and actually get paid back. Lent a friend cash? Covered the group dinner? File a tab. They get notified, both of you see a clear record, and they can pay, dispute, or ask for forgiveness. No more chasing people over text. • File a tab in seconds — who, how much, what for, with a photo receipt • A private window first — the other person gets time to settle before anything goes public • Pay, dispute, or forgive — fair by design, with a record both sides can see • Payback reputation — settle up and build a reliable-payer streak • Split a bill across the whole group at once • Auto-reminders so you never have to ask twice • Home & lock-screen widgets for what you're owed tab. is a social accountability tool — not a debt collector, lender, or credit bureau. Tabs are user-reported. You're always in control: dispute anything, request removal, block users, and report abuse. tab. Pro unlocks unlimited tabs, auto-reminders, custom share cards, viewer insights, and a verified badge.
Screenshots
Verdict
The clearest difference is in-app purchases: owed at none against tab.'s 2. owed also leads on iOS requirement (12.4 vs 15.1). On price, ads and device support 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
Both are free to download. tab. sells 2 in-app purchases, starting at $6.99 per month. owed asks for nothing beyond the download.
| Parameter | owed | tab. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (52 ratings) — better | — |
| Positive reviews | 68.9% of reviews | — |
| Number of ratings | 52 — better | — |
| Update frequency | Every 3 months | — |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 — better | 15.1 |
| Further details — not scored | ||
| Size | 2 MB | 28 MB |
| Age rating | 4+ | 17+ |
| Developer | Josh Gdovin | Suhaib Elhadi |
In-app purchases
owed
No in-app purchases
tab.
- tab. Pro$6.991 Month
- tab. Pro — Yearly$39.991 Year









