owed +
49
Quality Score
Emerging
owed +
Low confidence
✍️ bumetric analysis
“
owed + is an iOS app from Josh Gdovin in the Finance category, currently rated 4.4★ across 7 ratings. Initial signal reads as largely positive sentiment, users highlighting consistency and feature depth.
Quality Score is 49: Emerging (early traction worth watching). For a Finance app, that means early traction worth watching. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$1.2K
per month
→
12-mo forecast
$1.1K – $3.9K
per month
→
24-mo forecast
$1.0K – $9.0K
per month
INDIE tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
Loading…
Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
ONE-TIME · BUILD
💰 Estimated build cost
$80K
↳ What it cost to build · not monthly revenue
Likely range $60K – $110K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Slow ROI — current MRR is well below build cost
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| ⚙ Finance complexity ×1.60 | +$30K |
Total estimate
$80K
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$1.2K/mo · ML-estimated from 234 triggers
Growth rate
+6.0% MoM · INDIE tier baseline (compound monthly)
Direction
Headwinds: rating drift may slow acquisition, low defensibility moat
6 months
$1.1K – $2.5K
12 months
$1.1K – $3.9K
24 months
$1.0K – $9.0K
Compound growth at +6.0% MoM (tier baseline for INDIE). Range widens with horizon — typical noise band ±40% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Pre-traction · 37/100INDIE TIERlimited signalRevenue Strength
3.1
Product Quality
3.5
Market Position
2.0
Growth Velocity
5.0
Defensibility
2.1
Operational Safety
10.0
Founder Strength
2.9
Monetization Maturity
1.0
- 💰 Revenue: Modest — $495 - $3094/mo · INDIE tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.43★ across 7 reviews — weak — significant quality concerns.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $22K-$39K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 5 of 5 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Paid app ($0.99)METRIC | +$2,800 | |
| Good rating (4.4★)METRIC | +$800 | |
| New app (6 months old)METRIC | −$700 | |
| Single-language (English only)METRIC | −$400 | |
| Pre-traction phase (7 ratings)METRIC | −$300 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v4.6
Say hi to the new Gus! He's got a brand new intro animation with a cheeky little twirl — someone's been hitting the gym for summer.
We've also given the UI some love.
We've also given the UI some love.
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- owed +
- Developer
- Josh Gdovin
- Bundle ID
- com.gdovindesigns.owed-pro
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 17+
- Languages
- EN
Company
- Website
- Not found
- Tagline
- Debt & IOU Tracker for iPhone, iPad & Mac
- Description
- owed+ is the iOS app that makes tracking who owes what effortless. Log debts, request payments via Apple Pay, Venmo, or PayPal, and sync across all your Apple devices with iCloud.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $86/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
⭐Recent App Store Reviews4 latest · avg 4.0★ · 75.0% 5★ · 25.0% 1★
5★3 (75%)
4★0 (0%)
3★0 (0%)
2★0 (0%)
1★1 (25%)
+0 ratings/week
Praise: great ×1 love ×1 perfect ×1Complaints: subscription ×1
Top positive
★★★★★ Problems have been fixed
They got back to me that problems have been fixed. Had always been happy with the app…
★★★★★ Great for keeping track of money!
Cool app that I use often for keeping track of money that’s lent and borrowed. Good to see the cloud syncing is fixed. 👏…
Top negative
★☆☆☆☆ Update cleared all my logs
Cloud wasn’t working. Update cleared my one device I dedicated to logging everything.
update: every single update clears everything. making this app beyond useless and an overall loss. sincerely can’t believe this is being passed off as an…
★★★★★ Problems have been fixed
They got back to me that problems have been fixed. Had always been happy with the app…
📈Ratings growth7 ratings+600% lifetimeShow 3-year history estimate ▾
Tracked (6 weeks) Pre-tracking estimate (8 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Introducing the All-New Owed+ App
Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable.
What's New:
Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop.
Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly.… View full description on the official store →
Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable.
What's New:
Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop.
Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 10 MB🔞 17+📱 iOS 18.0+🔖 v4.6🔄 updated 0d ago🌐 EN📂 Finance💰 Paid
📅
What Worked™ · Development Pipeline
5 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-04
🔧
Shipped update — v? → v4.6
2026-04
⭐
Rating ↑ 1.67 → 4.43 (improved 2.76★)
2026-04
💲
Went paid — introduced $0.99 price point
2026-01
⭐
Rating ↑ 1.00 → 1.67 (improved 0.67★)
2026-01
🚀
First tracked snapshot — initial data captured
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇺🇸 US | 4.42856★ | 7 | 4.42856★ this version |
| 🇬🇧 GB | 0★ | 0 | — |
| 🇩🇪 DE | 0★ | 0 | — |
| 🇫🇷 FR | 0★ | 0 | — |
| 🇯🇵 JP | 0★ | 0 | — |
| 🇨🇦 CA | 0★ | 0 | — |
| 🇦🇺 AU | 0★ | 0 | — |
| 🇧🇷 BR | 0★ | 0 | — |
| 🇮🇳 IN | 0★ | 0 | — |
🔔
Track this app’s revenue
FREEGet an email when revenue moves by your threshold. No spam, unsubscribe in one click.
📝 Description
95
BU Score · Transcendent
About this analysis
Why low confidence: only 7 ratings · no founder-verified revenue (model estimate only) · revenue figure is directional only.
📌 Final verdict — read this before you trust the numbers above
owed + is a early-stage iOS app in the finance space with weak public traction — only 7 ratings, no founder-verified MRR, and not ranked in any monitored grossing chart. The app appears to be monetised, but public signals are too sparse for a precise revenue estimate.
Bottom line: treat all revenue, audience and acquisition-value numbers on this page as directional only — not founder-verified facts.
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does owed + make per month?▴
Low-confidence model estimate. owed + has only 7 App Store ratings, so our revenue model has very little signal to work with — treat the ~$86/mo figure as directional only, not a verified MRR. No founder-verified revenue data is available for this app. See methodology for the formula and confidence bands.
What apps are like owed +?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes owed +?▴
owed + is published by Josh Gdovin on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is owed +'s BU Score?▴
owed + has a BU Score of 49/100 (Emerging). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.