Loan & IOU tracker for iPhone
Know what’s still owed.
Keep loans, shared costs and repayments in one clear record. See the balance with each person—even when payments arrive in parts.
Get You Owe Me on your iPhone
Keep loans, shared costs and repayments together.
Scan with your iPhone camera to open the App Store.
View app details on the App Store
A clear balance across months of partial repayments
May → August
$160
Alex owes you
$340 covered · $180 repaid
“I’ll pay
you back.”
Track what you cover, what comes back, and what’s left.
Follow the story Skip storyYou cover Alex’s bill.
Record the $300 Alex will pay back.
May 4 · $300 remainingThe first $100 comes back.
You record the payment. The balance updates.
May 9 · $200 remainingThen you cover groceries.
Add $40 to Alex’s record. Keep every change together.
May 10 · $240 remainingA reminder for you.
Choose a day to check in with Alex.
May 14 · Personal reminder for May 22Another $80 paid back.
Record it. The balance changes; the history stays.
May 22 · $160 remainingAlex asks, “What do I still owe?”
You share a PDF with every entry and the $160 balance.
May 22 · $340 covered · $180 repaid · $160 remainingAlex pays back the rest.
Record the last $160. Keep the full history.
May 30 · Paid in fullStart with a clear record.
Track what’s owed and every payment in You Owe Me.
Start with what you already have
Your loan history. Without starting over.
Already keeping a loan in notes, a spreadsheet or on paper? Bring it here, check the details, and carry on in You Owe Me.
Text · CSV · Excel (.xlsx) · Word (.docx) · Photo
One loan at a time. Review and correct the details before saving. Import does not keep a spreadsheet in sync.
This app is a lifesaver! I finally have an easy way to track money I’ve loaned or am owed.
What is You Owe Me?
You Owe Me is an iPhone app for tracking money you lend, borrow or cover for someone. Keep each person’s balance and repayment history together.
Track on your own—the other person doesn’t need the app. Share a statement or a live balance when you want to keep them in the loop.
Download You Owe Me on the App StoreAvailable in 10 languages.
Real shared-money situations, not just one-time loans
★★★★★
Super Handy App!
“This app is a lifesaver! I finally have an easy way to track money I’ve loaned or am owed.”
“No more awkward ‘you still owe me’ talks—just open the app and it’s all there. Simple, reliable, incredibly useful.”
App Store review · ThePres_560
★★★★★
Great app - Great developer
“I contacted the developer and he was super receptive to the idea. He developed it and now we have live links.”
“Literally only took a couple of weeks and he had it all up and running, and designed beautifully too! I have purchased the lifetime subscription.”
App Store review · Random206
★★★★★
I love this app! Easy to use and very efficient
“This app has made my life so much easier. Between keeping track of the accounts and bills I manage for my elderly parents, and same for my boyfriend and me, I have a lot of loans and repayments happening.”
“It also has a feature for recurring charges/payments, which has been a big help as well.”
App Store review · moko2386
Why it works
See You Owe Me in action
Watch how the app keeps repayments, shared expenses and follow-ups together.
- Track who owes whom clearly
- Handle follow-ups without awkward wording
- Keep shared money organized in one place
★★★★★
A Mothers Love
“You Owe Me has been a life saver. My kids can no longer forget what I loan them or what they have paid back. Being able to add interest is a super plus. The reminders and letters gets to the point. I love this app.”
App Store review · HisQueen73
★★★★★
GREATEST LOAN APP !!
“Five star review for The You Owe Me app. This app has been a tremendous help keeping track of the money that’s borrowed. I used to have a loan business and when I retired I needed something to keep track of my money and this has been the greatest loan application ever. The You Owe Me app has exceeded all of my expectations and the support is super fantastic. If you need to keep track of your money, this is the greatest app out there!”
App Store review · RAZZATAZZTAZZ · United States · App version 7.0.9
★★★★★
Love this app
“It really helps me track all my transactions and bills. For both creditors and debtors.”
App Store review · DDB3019
★★★★★
If I could only have one app...
“Truly a favorite app! I use this app more consistently than 99% of all others on my phone. It is invaluable at keeping me on track with purchases made on behalf of multiple family members.”
App Store review · Leanne Dawn
★★★★★
Simple, Stress-Free Way to Track Family Loans
“I use You Owe Me to keep track of loans I give to my kids, and it’s been great. The app is very easy to use, even for someone like me who isn’t very tech-savvy. It’s taken all the stress out of tracking money between family.”
App Store review · BorrowedSun
★★★★★
Great App
“This app is so useful for me to keep my data safe and right by my side. I hated having to go get my notebook every time a transaction was made. It’s so nice having all the details of each transaction too.”
App Store review · Fee Please
★★★★★
This app is AMAZING!!
“From the first use, the layout and organization stood out, and performance is smooth. I reported a small profile-photo bug; the developer replied quickly and fixed it in the next update.”
App Store review · Callum Oxford
★★★★★
Highly recommended
“This is my go-to app for a year now for daily financial logs. It has been much easier and more convenient than anything I used before. The UI is simple and clean despite all the features.”
App Store review · Loai42462
★★★★★
Everything you need
“I’ve used this app for a long time. It’s the only app where the developer truly listens and responds. The interface is very easy to use, transactions are fast, and it supports many currencies, reminders, and recurring entries.”
App Store review · iPepeep
★★★★★
“Perfect app for handling IOUs! It’s intuitive, efficient, and easy to use. It has been SO helpful for me in managing the money paid back and forth between me and my elderly parents.”
App Store review
★★★★★
Great App
“Superb app. I purchased the Unlimited Entries and Members subscription, and it has everything a lender needs to keep clear records. Great interface and accessibility.”
App Store review · Maruthi Madasu
★★★★★
Simple and efficient
“One of the best apps to track your money—whether you’re lending or running a business. Simple, user-friendly, and it gets the job done.”
App Store review · Lux Clyne
★★★★★
awesome app
“You can put a note to every transaction and the developer added my currency within like 3 days of me requesting it! Other apps exist, but this app is convenient and there are no subscriptions.”
App Store review · MiiMiiah
★★★★★
Small useful app
“There are a number of apps like this, but this one is the best so far. The simplest interface with solid functionality. I use it daily—everything in one clean screen.”
App Store review · Natallia Yablonskaya
★★★★★
No alternative
“No app is flawless, but there really is not anything better out there. The developer listens to feedback and fixes issues fast. This is not an abandoned project.”
App Store review · Real,Realer,Realest
★★★★★
Super!
“Very good app. Nice design, easy to use, and straightforward. I can set a date and change it later for any loan. Everything else can be edited too. Very flexible.”
App Store review · mariia.kohTao
★★★★★
Easy To Use!
“This app is super innovative and makes it easy to keep track of the money people owe you. Highly recommended!”
App Store review · Mark Sliverton
★★★★★
The best loan tracker app 😇
“I’ve tried several apps, but this one is the best!”
App Store review · Mans18
2016–2026
The ten-year story of You Owe Me.
Launched on August 26, 2016, You Owe Me has grown from a simple running balance to include Loan Records, Repayment Plans, Timeline, Group Paybacks, sharing, sync, Spaces, and more—while the goal stayed the same.
Explore the ten-year story
Built for the moments when money gets messy
Separate important loans
Keep a separate name, balance and repayment history for each important loan.
Choose a realistic path to repayment
Choose an amount, target date or payment count. The plan updates as repayments are recorded.
Live Link
Share a live balance
Share a current balance and history through a browser link. The other person does not need the app.
More tools, when you need them
- Recurring entries and multi-currency records
- Reminders and Money Conversations for follow-ups
- Spaces for separate records, with optional device sync and Balance Sync between two users
- Percentage or fixed interest, plus CSV export
Other situations and tools
More ways to use You Owe Me
Explore other situations, or use a free tool for a one-time calculation.
Someone owes me money
Track IOUs, partial repayments, due dates, reminders, and calmer follow-ups when a friend, family member, client, or roommate still owes you.
Temporary support
Keep covered rent, bills, groceries, repayment steps, timing changes, and check-ins clear without making the situation feel heavier than it needs to.
I pay for a parent or family member
Track parent bills, subscriptions, groceries, pharmacy purchases, online orders, sibling reimbursements, recurring charges, and repayments.
We split costs as a couple
Keep groceries, travel, rent, subscriptions, uneven spending, and repayments clear without turning every purchase into a tense conversation.
Roommates and household bills
Track rent, utilities, groceries, household supplies, recurring charges, repayments, and roommate settle-ups in one running balance.
Shared expenses over time
For friends, trips, groups, and repeated shared spending where one quick split is not enough.
Running balance calculator
Add expenses and repayments over time to see the current balance between two people.
One quick split
Only need to divide one bill, meal, purchase, trip cost, or household expense?
Why clear records matter
Money between people is common, but it can become stressful quickly. Bankrate's 2025 survey found that about 70% of U.S. adults have lent money or paid a group expense expecting to be reimbursed, and 55% of them experienced at least one negative consequence.
YouOweMe helps with the part you can control: the balance, the history, the reminder, and the next message.
Source: Bankrate
Family reimbursements are common too. The 2025 Caregiving in the U.S. report says 63 million Americans provide ongoing care, and AARP reports that half of caregivers experience a negative financial impact. Need a practical parent-bill workflow? See the elderly parent expense tracker or the parent expense tracking guide.
Sources: Caregiving in the U.S. and AARP
Helpful specific paths
Specific tools, records, and comparisons
Use these when you need a narrower shortcut than the main situations above.
Set up the record
Simple client payment records For deposits, repeat charges, partial payments, and open client balances. Money-owed record Clarify the person, reason, repayments, and remaining balance before choosing a tool. Group payback guide Use a step-by-step method when one shared cost has paid, partly paid, and unpaid statuses.Compare before choosing
Best way to track IOUs between people Compare notes, chat history, payment apps, spreadsheets, calculators, split apps, and You Owe Me. Shared expense app vs running balance app Choose collaboration when everyone adds expenses; choose a running balance when the amount keeps changing. Splitwise alternative for IOUs and running balances Compare Splitwise-style group splitting with running balances, repayments, Live Links, and follow-ups.FAQ
What is You Owe Me?
You Owe Me is an iPhone app for tracking money between people. It helps with IOUs, shared bills, separate informal loans, repayment plans that follow real payments, recurring costs, reminders, Live Links, PDF statements, and follow-up messages.
Is You Owe Me available on Android?
No. The You Owe Me app is available for iPhone only. There is no Android app or full browser version of the app. On Android, someone can still use the website’s free browser tools or open a read-only Live Link shared by a person using the iPhone app. Creating or editing an ongoing You Owe Me record requires the iPhone app, and Balance Sync is not available to an Android participant.
Is YouOweMe only for loans?
No. It can track informal loans, IOUs, shared expenses, temporary support, family reimbursements, roommate bills, partner spending, client balances, recurring costs, and repayments over time.
Can it help me ask someone to pay me back politely?
Yes. Money Conversations can generate a follow-up message from the real balance and history, with a tone that fits the relationship. If you need a copyable message before opening the app, use these polite reminder texts for money owed.
Does the other person need the app?
Not always. Use Live Link when one person keeps the record and the other person only needs an always-current browser view without installing the app. Use Balance Sync when exactly two You Owe Me users both want supported connected entries to stay updated across their phones.
Can I use it for family reimbursements?
Yes. You can track purchases, bills, subscriptions, recurring charges, and repayments for parents, siblings, children, or other family members. If the main job is paying for an elderly parent, start with the elderly parent expense tracker.
Can I split bills and shared expenses?
Yes. You can split expenses equally or with custom amounts, then keep the result in a running balance instead of recalculating every time.
What languages is the You Owe Me app available in?
The You Owe Me app interface is thoughtfully localized in 10 languages: English, Arabic, French, German, Italian, Japanese, Korean, Polish, Portuguese, and Spanish. Language availability applies to the app; the You Owe Me website is currently available in English only.
Does it work offline?
Yes. YouOweMe can be used without mandatory sign-up and supports offline tracking.
Keep money clear before it gets awkward
For everyday IOUs, keep one running balance and history. For a longer loan, keep the agreed plan, real payments, projected payoff, and next reminder tied to the same record.