Comparison

owed vs Qersh

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

Qersh

Features
Read full description

Qersh is the easiest way to track your household expenses with family — all in one place. Log an expense in seconds Enter it manually, paste a bank SMS and let Qersh fill it in automatically, or record it by voice and turn it into a full expense with one tap. Share your household with family Send the invite code to anyone in the house, and they'll see all expenses and the budget exactly like you — no hassle, no forced subscriptions. Clear monthly budget Set your monthly budget and visually track what's left, plus detailed reports of your spending by category and person. Shared shopping list Note down what the household needs, and agree on who's getting it. Accounts and cards Track all your bank accounts and cards in one place. Commitments and installments Track your monthly subscriptions, installments, and gameyas, with reminders before they're due. terms & conditions: https://www.qersh.app/terms Privacy Policy: https://www.qersh.app/privacy

Screenshots

owed4 screens
Qersh4 screens

Verdict

The call

The clearest difference is in-app purchases: owed at none against Qersh's 1. owed also leads on ads (none vs shown) and iOS requirement (12.4 vs 15.0). Qersh's advantage is update cadence (every 2 weeks vs every 3 months). On price 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Qersh sells 1 in-app purchase, starting at $1.99 per month. owed asks for nothing beyond the download.

UpkeepUpdate frequency

owed ships an update every 3 months, Qersh every 2 weeks. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
owed versus Qersh: the parameters behind the verdict, then further details
ParameterowedQersh
PriceFreeFree
Rating4.6 (52 ratings) — better—
Positive reviews68.9% of reviews—
Number of ratings52 — better—
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.4 — better15.0
Further details — not scored
Size2 MB37 MB
Age rating4+4+
DeveloperJosh GdovinMohamed Ibrahim Alean Ahmed

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

Qersh

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

owed

No in-app purchases

1 purchases

Qersh

Subscriptions1
  • Qersh Pro$1.991 Month

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is Qersh free?
Qersh is free to download, with in-app purchases available.
Do owed or Qersh have ads?
Qersh shows ads; owed does not.
Which is updated more often, owed or Qersh?
owed ships an update every 3 months, and Qersh every 2 weeks. Most recently, owed was updated on October 24, 2026 and Qersh on October 24, 2026.

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