Share one Live Link so someone can always see the latest balance and history — no app install needed.
Money between friends, family, or partners can get complicated — especially when it goes back and forth over time.
YouOweMe helps you keep money clear — and handle the conversation without awkwardness.
Most money apps focus only on numbers.
YouOweMe focuses on the conversation too.
YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates, and small businesses who want to track shared money clearly, without awkward conversations.
Log what you borrow or lend, split bills, track balances — and use built-in Money Messages and Smart Money Check-Ins when it’s time to talk about money.
Helping people manage shared money since 2016.
Money Conversations (Follow-ups, Ask for Loan & Repayment Updates)
The hardest part about shared money is often not the math — it’s knowing what to say.
Money Conversations give you three ready-to-send message types based on your balances and history:
• Follow-Up — when someone owes you and you want to check in
• Ask for Loan — when you need to borrow money clearly and respectfully
• Repayment Update — when you owe someone and want to communicate your plan
Choose the tone and generate a message from your real situation.
Messages can include a secure summary link, so the other person can view details without installing the app.
No awkward wording.
No emotional pressure.
Just clear communication built on real numbers.
No more overthinking a reminder. No more rewriting the same message.
Smart Money Check-Ins
Knowing what to say is only part of the problem. Knowing when to reach out matters too.
Smart Money Check-Ins add a proactive timing layer on top of Money Conversations. Using your balance history, repayment progress, reminders, silence, and promised dates, YouOweMe detects when communication matters and suggests the right next step.
It helps you know when to follow up or send a repayment update, then guides you into a ready-to-send message.
That means earlier, clearer communication, before awkwardness turns into tension.
Whether you’re splitting expenses with your partner, tracking family loans, or handling shared payments with roommates, YouOweMe keeps everything organized and easy to reconcile.
Track back-and-forth money.
Split everyday expenses.
Keep family loans organized — without spreadsheets.
Professional Statements & PDFs
For more formal situations, YouOweMe lets you generate clean, professional PDF statements from your records, with the option to add your own logo or image.
Perfect for:
• small businesses and freelancers
• shared expenses with clients
• clear repayment summaries
• interest-based or long-term balances
Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings.
Voice-to-Entry (Add loans without typing)
Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”
YouOweMe automatically creates the entry.
Smart Payment Reminders
Set reminders for payments to collect or repay.
Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.
Built for real-life money tracking
• Automatic running balance showing who owes whom
• Split expenses in one tap (equal or custom)
• Clear borrow & lend timeline
• Instant sharing of clean summaries
• Live Link: shared view stays updated
• Recurring entries for rent, utilities, subscriptions
• Interest tracking for long-term balances
• Professional PDF generation
• Sync across devices + multiple cloud profiles
• Face ID / Touch ID lock
• Works offline
• No mandatory sign-up to get started
YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments.
Download YouOweMe and turn everyday money moments into simple, resolved conversations.
Track loans.
Know when to reach out.
Know what to say.
Keep money — and relationships — clear.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
This app has made my life so much easier. Between keeping track of the accounts and bills I manage for my elderly parents, (which I pay and they pay me back), and same for my boyfriend and me, (which I pay and he pays me back), I have a lot of loans and repayments happening. This app makes it so I can make sure everything is easily accounted for. It also has a feature for recurring charges/payments, which has been a big help as well. I wish they had a way to schedule recurring things on a longer time interval than just one month (such as every 3 months or annually), but other than that, it’s a very easy to use, not overly complicated, efficient app if you are busy and need to track these kinds of things. I highly recommend it!
Updated still same issue
Pokerlover1969
I don’t think this app is not useful anymore. Updated still unable to see the details of my past entries. It just hangs and cannot click or edit anything. Trying to see a different app to move there. This is loss of all the historical data and is very frustrating. Can’t the developers do basic testing when the app is released?Update:The latest version fixed it- got all my data back. Suggest to test the future fixes better before releases.
Developer Response
Thank you very much for updating your review. We’re really sorry again for the frustration this caused, and we’re glad the latest version restored access to your past entries and fixed the issue. This was not the experience we want anyone to have, and we’ve strengthened our testing around this area for future releases. Thank you for your patience and for giving the app another chance.
Simple, Stress-Free Way to Track Family Loans
BorrowedSun
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. I had a few questions when I first started, and the developer was incredibly responsive and helpful. It’s taken all the stress out of tracking money between family. I would definitely recommend this app.
Developer Response
Thank you so much for sharing this, Lisa.I’m really glad the app has helped make tracking loans with your kids easier and less stressful. Hearing that it feels approachable and easy to use — especially if you’re not very tech-savvy — truly means a lot to me.Thank you again for the kind words and for taking the time to leave a review.
Super Handy App!
ThePres_560
This app is a lifesaver! I finally have an easy way to track money I’ve loaned or am owed. The setup is quick, the design is clean, and the reminders keep me on top of everything without stress. No more awkward “you still owe me” talks—just open the app and it’s all right there. Simple, reliable, and incredibly useful. Highly recommend!
Developer Response
Thank you so much — really glad the app helps remove the awkwardness around money. That’s exactly what it was built for. Appreciate you taking the time to share this!
We’ve made PDF statements more professional and easier to create.
You can now prepare statements from a dedicated PDF screen, add your logo, and include a due date when needed.
This update also refreshes the app for iOS 26 with the new Liquid Glass design.
Version 6.8.5
The developer, IEVGENII IABLONSKYI, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
Supported Features
VoiceOver
Dark Interface
Information
Seller
IEVGENII IABLONSKYI
Size
43.6 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.