WaitingOn: IOU & Debt Tracker
Loan & Follow Up Reminder
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Who owes you money? Track IOUs, loans and refunds — and let AI write the follow-up. Add anything in 5 seconds.
Who owes you money? Which refund is still missing? Who promised to reply and never did?
WaitingOn is the IOU, debt and follow-up tracker for everything where the next move is someone else's. Add it in 5 seconds, and WaitingOn counts the days, reminds you when it's time to follow up, and even writes the nudge for you.
TRACK WHO OWES YOU
• Money you lent to friends and family — IOUs, loans and debts in any currency
• Log partial payments and see exactly how much is still owed
• Borrowed items: camera, book, charger — know who has it and for how long
• Refunds, deliveries, approvals, replies and promises — all in one place
NEVER FORGET TO FOLLOW UP
• Smart reminders: first nudge after 3 days, then 2, 4 and 7 — or the day after a promised date
• Morning digest only on days something is due. No spam, ever.
• "Waiting 12 days" — the waiting time is front and centre on every card
• Snooze, mark "they responded", log a new promise, or resolve in one tap
LET AI WRITE THE NUDGE
• Pick a tone: Friendly, Polite, Professional or Firm
• Send by Messages, Mail or any chat app — nothing is ever sent automatically
• Quick Add understands plain language: "Ali owes me 5000 Friday"
SHARE A PAYBACK LINK
• Send a link — they tap "Done", ask for more time, or reply. No app needed.
• Their answer updates your IOU instantly
MADE FOR REAL LIFE
• Home & Lock Screen widgets
• Share a chat or screenshot from any app to add it
• Siri: "Track something in WaitingOn"
• Workspaces for clients and freelancers, with CSV export
• Money recovered insights and a monthly recap
• Works offline. Syncs securely. Sign in with Apple.
• English, Urdu, Arabic, Hindi and Spanish
WAITINGON PRO
Unlimited loops, AI follow-ups, screenshot import, smart follow-up sequences, attachments, workspaces and money insights. Choose monthly, yearly, or pay once for lifetime access.
Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.
Privacy Policy: https://bismah-farooq.vercel.app/privacy-policy.html
Terms of Use (EULA): https://bismah-farooq.vercel.app/eula.html
Stop remembering. Start following up.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Bismah Farooq, 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 Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Location
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Bismah Farooq
- Size
- 20 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 4 more
- English, Arabic, Hindi, Spanish, Urdu
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pro Lifetime $29.99
- Pro Yearly $14.99
- Pro Monthly $2.99
- Copyright
- © 2026 Bismah Farooq. All rights reserved.