Who Owes Me: Debt Tracker
Lend, borrow and settle up
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
New: Year summary — how much you lent and borrowed, with month-by-month charts (Pro). Plus a reminder on the due date, even with the app closed.
Keep track of who owes you and what you owe, and send a WhatsApp reminder without the awkwardness.
Who Owes Me is the tab-and-debt ledger in your pocket: every amount has a name, a due date and a status, and you see at a glance what is still to collect and what is still to pay.
COLLECT WITHOUT THE AWKWARDNESS
• A ready-made WhatsApp message with what is outstanding and your PIX key.
• A reminder on the due date with the total to collect or to pay, even with the app closed.
ORGANIZE IT YOUR WAY
• Installments and fixed payments, like monthly fees and rent.
• Split one bill across several people at once.
• Month and year summaries: how much you lent, borrowed and already received.
FOLLOW EACH PERSON
• A balance per person: "Owes me", "I owe" or "Settled".
• Reliability calculated from on-time payments.
• Contacts imported from your phone's address book.
WITH FRIENDS ON THE APP
• Anyone who also uses Who Owes Me sees the same debt from their side, reports that they paid, and you confirm with one tap.
For anyone running a tab at a corner store, bar or salon, and for anyone who just wants to stop forgetting what they lent to friends and family.
The Pro plan raises the limits and unlocks detailed charges, a custom message, year summary charts and an ad-free experience.
more A fresh look for the activity chart
• On a person, the activity chart has been redesigned: wider bars, room for every month even with no activity, the selected month highlighted and the totals in two cards.
• The bars rise month by month when you open a person.
• When creating or editing a transaction, a stray swipe no longer closes a half-filled form: it only closes through its buttons.
• A recurring transaction marked as paid no longer shows up as unpaid when you open it again.
2.21.0 Oct 4
A new Pro page and easier-to-read charts
• Redesigned Pro page: more to the point, with the plans side by side and a heads-up when you are close to the free plan's limit.
• On the home screen, free plan users see a card with what Pro unlocks.
• The Year summary now lives in the Transactions tab, and still opens by tapping the month name.
• Year summary charts (Pro): each month's total, with a dot per month; slide your finger to read the values. In "Who I lent the most to", tap a person to highlight them.
• On a person, the activity chart now lines up month by month; tap a month to see how much you lent and borrowed in it.
• Titles and headers have a fresh look across the app.
• More reliable app updates.
2.20.1 Sep 26
A new Pro page and easier-to-read charts
• Redesigned Pro page: more to the point, with the plans side by side and a heads-up when you are close to the free plan's limit.
• On the home screen, free plan users see a card with what Pro unlocks.
• The Year summary now lives in the Transactions tab, and still opens by tapping the month name.
• Year summary charts (Pro): each month's total, with a dot per month; slide your finger to read the values. In "Who I lent the most to", tap a person to highlight them.
• On a person, the activity chart now lines up month by month; tap a month to see how much you lent and borrowed in it.
• Titles and headers have a fresh look across the app.
• More reliable app updates.
2.20.0 Sep 25
Say you paid, confirm when you're paid
• On transactions with friends in the app, whoever owes now has a "Report that I paid" button — the notice reaches the lender right away.
• The transaction is only marked paid after the lender confirms they received it.
• Paid everything at once? "Report that I paid everything" sends a single notice with the number of transactions and the total.
• On the other side, you can see who is waiting: a badge on the person, a tag on the transaction, and a confirmation screen when you open the app or tap the notification.
• The lender can also mark everything a friend owes as received, all at once.
2.18.0 Sep 5
Logging several transactions in a row is now faster
• New "Save and add another" button: saves the transaction and starts the next one for the same person right away.
• The direction — lent or borrowed — now sits next to the amount in a compact selector. One less step in the form.
• A person's screen now has a shortcut that starts a new transaction for them.
Fixes
• Accepting a friend invite no longer fires one notification for every old transaction.
• The date picker now closes when you tap outside it, and the form's colors no longer bleed through the calendar.
• The People list no longer shows the title on top of the search bar while it loads.
• The edit screen's Save button is now pinned, always visible above the keyboard.
2.17.0 Aug 31
The free plan limit now renews every month
• On the free plan you can log up to 20 transactions per month, and the count resets on the 1st. The limit used to be a fixed total: once it filled up, the only way to free space was deleting old transactions.
• Old history no longer counts toward the limit — you don't have to delete anything to keep logging.
• The limits screen shows how much you've used this month and the day it renews.
• On Who Owes Pro, transactions stay unlimited.
WhatsApp charges for numbers from other countries
• You can now save contacts outside Brazil using the country code (e.g. +52 55 1234 5678) and charge them over WhatsApp as usual.
• Error messages now say exactly what is wrong with the number.
Also
• The app opens straight on the sign-in screen, without the intro screens.
• The notification permission is asked after your first entry, when there is already a due date to remind you about.
• If saving a transaction fails, the app tells you instead of failing silently.
2.16.0 Aug 30
Faster startup
• The app no longer gets stuck on the launch screen. On poor connections that wait could run past a minute every single time you opened the app — startup now has a time limit and the app comes up even if a step takes too long.
Fixes arrive on their own
• The app now looks for improvements when it opens, without waiting for a store update.
• When something new is ready, a brief message appears on the launch screen while it's applied. If your connection is slow, the app opens normally and the update kicks in next time.
Also
• Filters in the transaction list are easier to read.
2.15.0 Aug 25
Split a bill between several people
• When you create a transaction, pick 2 or more people: the amount is split evenly and each person becomes a separate debt.
• Adjust anyone's share when the split isn't even — the remainder updates as you go.
• You can include yourself: your share shapes the math but never becomes a debt.
Reliability for the people who owe you
• The numeric score is now a clear level — Terrible to Excellent — with what each one means and the share of payments made on time.
• The person screen was redesigned around it.
WhatsApp charging
• The message now changes with the direction: they owe you, you owe them, or you're settled up.
• When you're the one who owes, the app asks for their PIX key instead of sending yours.
• Missing a phone number? Sync the contact from your address book or type the number right there, without leaving the charge.
Also
• "Link" is now Friend Invite, and whoever accepts becomes a Friend — the debts you record for each other still show up in both apps.
2.14.0 Aug 20
We redesigned the contacts screen with a cleaner, more minimalist interface, making it much easier and faster to find people. In addition, we fixed and improved the system that identifies who has overdue payments, ensuring your debtor tracking is always accurate and reliable. Update now and keep your finances organized!
2.11.0 Jul 9
We've added a new visual indicator to the debtor list, allowing you to quickly identify who has outstanding debts from previous months. In addition, we revamped and improved the interface for the WhatsApp billing screen, making it much more practical, streamlined, and intuitive to send reminders. Update Quem Deve and take total control of your financial history!
2.10.0 Jun 16
In this version, we fixed the WhatsApp billing feature so you can send reminders to your contacts quickly and seamlessly. Additionally, we adjusted and improved the text visualization across our interface, ensuring clearer, cleaner readability and an even better user experience. Update Quem Deve and keep your accounts up to date!
2.9.6 Jun 11
In this version, we fixed the WhatsApp billing feature so you can send reminders to your contacts quickly and seamlessly. Additionally, we adjusted and improved the text visualization across our interface, ensuring clearer, cleaner readability and an even better user experience. Update Quem Deve and keep your accounts up to date!
2.9.5 Jun 10
We've prepared an incredible update for Quem Deve! We made a significant improvement to the app's look, bringing a more minimalist and clean design to make your navigation easier and focus on what matters. Alongside the new interface, we implemented several under-the-hood performance optimizations, ensuring that loading your information and accessing your records is much faster and smoother. Update now and check out the difference!
2.9.3 Jun 8
We've prepared an incredible update for Quem Deve! We made a significant improvement to the app's look, bringing a more minimalist and clean design to make your navigation easier and focus on what matters. Alongside the new interface, we implemented several under-the-hood performance optimizations, ensuring that loading your information and accessing your records is much faster and smoother. Update now and check out the difference!
2.9.1 Jun 5
We've prepared an incredible update for Quem Deve! We made a significant improvement to the app's look, bringing a more minimalist and clean design to make your navigation easier and focus on what matters. Alongside the new interface, we implemented several under-the-hood performance optimizations, ensuring that loading your information and accessing your records is much faster and smoother. Update now and check out the difference!
2.9.0 Jun 3
In this version, we made minor layout tweaks to make your navigation even more pleasant, as well as fixing visual bugs that were affecting Dark Mode. Update Quem Deve and continue managing your finances with much more comfort and style, whether it's day or night!
2.8.1 May 20
In this version, we've added a new feature so you can easily view and manage transactions that remained pending from previous months. No more losing track of old debts! Additionally, we squashed some bugs to make the app even faster and more stable for your daily routine.
2.7.2 May 11
In this update, we improved the flow for recording new transactions with a more efficient people search system, making your tracking much faster and more intuitive when adding who owes you or who you owe. Additionally, we fixed bugs in the app's translations, ensuring a smoother and more accurate experience across all available languages. Update Quem Deve and enjoy these improvements!
2.7.1 May 4
We are bringing a major update to Quem Deve! We completely revamped the home screen interface to make your financial tracking even more practical and visually appealing. Furthermore, we introduced a new transactions screen so you can view your records more clearly, and we added notification alerts for linked debtors, ensuring no one forgets their pending payments. Update now and enjoy all these improvements!
2.7.0 May 3
Debt synchronization: You can now link your contacts to other Quem Deve users. When you record that someone owes you, the debt will automatically appear in their app. Real-time transparency!
2.5.1 Mar 18
Debt synchronization: You can now link your contacts to other Quem Deve users. When you record that someone owes you, the debt will automatically appear in their app. Real-time transparency!
2.4.1 Mar 5
New "Add People" Interface: We’ve revamped the screen for creating new contacts. Adding people to your list is now cleaner and more intuitive.
Bug Fixes: We squashed some bugs and made performance improvements to keep everything running perfectly.
2.3.0 Feb 16
We’ve fixed some bugs and improved performance to ensure total stability. Everything is ready for you to organize your records and never forget to collect a payment!
2.2.0 Feb 13
Multiple bugs were fix and also was add a onboarding screen to improve user experience.
2.1.0 Feb 10
A fresh look for the activity chart
• On a person, the activity chart has been redesigned: wider bars, room for every month even with no activity, the selected month highlighted and the totals in two cards.
• The bars rise month by month when you open a person.
• When creating or editing a transaction, a stray swipe no longer closes a half-filled form: it only closes through its buttons.
• A recurring transaction marked as paid no longer shows up as unpaid when you open it again.
more Version 2.21.0 Oct 4
Data Used to Track You The following data may be used to track you across apps and websites owned by other companies:
Data Linked to You The following data may be collected and linked to your identity:
Contact Info Contacts Identifiers Data Not Linked to You The following data may be collected but it is not linked to your identity:
Contact Info Identifiers Diagnostics