This update adds new sorting options to the Owed view, making it easier to review balances by your preferred order, highest amount, and other available sorting modes. We also added support for flat interest, giving you more flexibility when tracking loans, debts, and repayments. Alongside that, this version includes performance improvements for larger datasets, smoother balance loading, and small quality-of-life fixes across the app.

Introducing Group Paybacks. Paid for dinner, a gift, tickets, a deposit, or another shared cost? Now you can keep it all in one clear place. Create a Group Payback, split the amount, see who paid, who partially paid, and who still owes, then record repayments as they come in. Each person’s balance and history stays accurate, while the Group Payback gives you a simple view of the whole thing. You can also draft polite reminders for a specific person, using only the context of that Group Payback.

Introducing Timeline — a clearer way to understand the full money story with each person. See entries, loans, settlements, statement shares, reminders, and Money Message actions together in one chronological view. Timeline can also help you decide what to do next by showing when a follow-up or repayment update may make sense based on the relationship history.

This update brings more polish to loans, including smoother loan details and direct PDF statement sharing. We also added new entry filters, so you can quickly find entries with interest, due dates, recurring entries, and loans. Plus, we made performance improvements to keep the app feeling smoother, especially when working with larger histories.

Big update: Loan Records are here. Many users asked for a better way to track specific loans separately without losing the full balance with the same person. This version adds Loan Records — a focused space for bigger loans, repayment plans, client projects, family bills, or any money situation that needs its own clear balance. You can now create a separate record for a loan, add repayments or adjustments to it, set details like notes, due dates, interest, and images, and always see what is still left to repay. Everything still stays connected to the same person, so your full balance remains correct while each important loan stays easy to understand. Normal entries are still the fastest way to track everyday money. Loan Records are for the balances that deserve their own clean space.

Choose how you use You Owe Me: Friends & Family, Clients & Business, or Loans & Repayments. The app now adjusts labels, examples, messages, demo content, and statement wording to better fit your situation, while your balances and entries stay exactly the same. PDF statements are better too. You can now choose between Everyday and Professional statement styles, and add more official details, including a logo, due date, and payment details.

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.

Bug fixes and reliability improvements.

Live Link is here. Share one link with someone so they can always see the latest balance and transaction history — no app install needed. When you add, edit, or remove entries, the link stays the same and the shared view stays up to date.

You can now open a full history view for each borrower with the new “See all” button. Browse more entries at once, search by amount or note, and filter between all entries, money you paid, and money they paid. Also includes small polish and stability improvements.

Performance improvements for large histories, plus bug fixes to keep the app running smoothly.

Improved entry direction selection with clearer “You paid” and “They paid” wording, making it easier to record who covered each amount. This update also includes a performance overhaul to make the app feel smoother, faster, and more responsive throughout.

You can now choose a different currency for each entry. Amounts are automatically converted to the borrower’s currency, making it easier to manage mixed-currency borrowing and repayments. We also fixed bugs and improved performance.

We’ve made progress moments feel better. Milestones and special offers now appear in a more polished, focused presentation, with small UI refinements around your stats and progress. Thank you for using You Owe Me.

This update brings a series of refinements to make the app smoother and more intuitive to use. We’ve improved the interface and polished key interactions for a better overall experience.

We’re always working to make the app better and more reliable. This update includes UI improvements and bug fixes. Thank you for using You Owe Me.

Smart Money Check-Ins are here. YouOweMe can now help you know when to reach out about money, not just what to say. Using your balance history, repayment progress, reminders, and timing, the app can suggest when it makes sense to follow up or send a repayment update — before things get awkward. Because money between people affects relationships, this update is designed to help keep communication clear, respectful, and less stressful for both sides.

We’re continuing to make the app better and better. In this release, we added several user experience improvements and squashed a few bugs to make everything feel smoother and more reliable.

UI and performance improvements across the app, including a smoother and more polished experience in key screens.

We’re continuing to refine the app and make everyday tracking feel smoother and more intuitive. In this update, we focused on user experience improvements across the app, including a refreshed entry screen and a more polished overall flow.

New: Balance Details. You can now open a detailed view of your total balance, see a breakdown by currency, and export all borrowers into one PDF. This update also includes UI and readability improvements.

Recurring entries are now much more flexible: choose daily, weekly, monthly, or yearly repeats, set custom intervals, pick weekday/month day, and add an optional end date. The start screen now features a redesigned borrower card deck with smooth interactions and animations for a more engaging, enjoyable experience.

• You can now archive old entries to keep your history clean and focused. • Added a new weekly interest option. • Bug fixes and UI improvements for a smoother experience. Thanks for using You Owe Me!

Visual polish and performance improvements across the app. This update focuses on smoother interactions, refined animations, and stability fixes to keep everything fast and reliable.

Money Conversations are now complete. You can now use Ask for Loan alongside Follow-Up and Repayment Update — covering the full cycle of real-life money communication. Whether you need to borrow, check in, or share your repayment plan, YouOweMe writes the right message based on your balances and history. Clear numbers. Clear words. No awkwardness.