# owed vs Evenly

The clearest difference is review sentiment: owed at 69% against Evenly's 43%. owed also leads on iOS requirement (12.4 vs 15.0). Evenly's advantage is rating (4.9 vs 4.6) and update cadence (every 3 weeks vs every 3 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Evenly holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 52 and 80 respectively. Written reviews complicate that: 69% of owed's written reviews are positive against 43% of Evenly's, so the app with the better star average is not the one people write more warmly about.

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

## The numbers

| Metric | owed | Evenly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (52 ratings)](https://appshunter.io/ios/app/owed/id875672885/reviews) | **[4.9 (80 ratings)](https://appshunter.io/ios/app/evenly-lend-and-never-forget/id961823930/reviews)** |
| Number of ratings | 52 | **80** |
| Positive reviews | **68.9% of reviews** | 42.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 2 MB | 30 MB |
| Requires iOS | **12.4** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Josh Gdovin](https://appshunter.io/developer/875672888) | [Oleksii Nezhyborets](https://appshunter.io/developer/961823929) |

## 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


### Evenly

[App page](https://appshunter.io/ios/app/evenly-lend-and-never-forget/id961823930)

Easily track money lent to and borrowed from friends. This app synchronizes loan history across devices, ensuring no transaction is forgotten. It features automatic reflection of loans for both parties and convenient push notifications.

**Highlights:** Track loans and borrowings, Sync history with friends, Lend to contacts, Push notifications, Built-in calculator

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is owed free?

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

### Is Evenly free?

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

### Which has better reviews, owed or Evenly?

Evenly is rated higher. owed averages 4.6 out of 5 from 52 ratings, while Evenly averages 4.9 from 80 ratings.

### Do owed or Evenly have ads?

Neither owed nor Evenly shows ads.

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

owed ships an update every 3 months, and Evenly every 3 weeks. Most recently, owed was updated on October 24, 2026 and Evenly on October 24, 2026.

---

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