# owed vs Qersh

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.

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

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

## The numbers

| Metric | owed | Qersh |
| --- | --- | --- |
| 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** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 2 MB | 37 MB |
| Requires iOS | **12.4** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Mohamed Ibrahim Alean Ahmed](https://appshunter.io/developer/6812875326) |

## 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


### Qersh

[App page](https://appshunter.io/ios/app/qersh/id6812875324)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Qersh Pro | $1.99 | per month |


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