Hello, iPhone Duo. You Owe Me now adapts as you fold and unfold, so everything feels right at home. We’ve also given the little things extra care, making everyday interactions smoother, more responsive, and a little more satisfying.

This update brings more flexibility to interest and payment reminders: - Enter one-time interest as an amount or a percentage, with a clear preview. - Snooze payment reminders until tomorrow or in three days, while keeping track of overdue payments. - Review imported loans more easily, with clearer guidance when something needs correcting. - Enjoy simpler setup for personal and business use. We’ve also improved recurring entries, repayment schedules, and voice entry. Thank you for using You Owe Me!

Recipients can now report a payment through a Live Link payment invitation—directly from their browser, without installing the app. You review each report and choose to record the payment, match it to an existing entry, or decline it. Your balance never changes automatically.

Meet Loan Outlook—a clearer view of what’s ahead for your loans. See upcoming payments, overdue amounts, and loans without an agreed payment date. Switch between “To pay” and “Expected back,” explore the calendar, and filter by this week, this month, or your own dates. View loans together or focus on one person, then open a loan or record a payment directly from Outlook.

Bug fixes

Voice Entry 2.0 can now do even more. Split a bill, add someone new, or record a loan payment—just by speaking. • Split bills by voice Say the total and who’s sharing it. Voice Entry calculates each person’s share and creates their entries, leaving out your own share. • Add new people as you go Mention someone who isn’t in your list yet. Confirm adding them, then save their entry without leaving the voice flow. • Link payments to loans Record repayments or additional lending against an existing loan. Mention the person and loan name, and Voice Entry connects the payment. • Discover what you can say The new Voice guide brings together practical examples for everyday entries, multiple people, bill splits, loan payments, and more. We’ve also refined how Voice Entry handles everyday wording, corrections, and currencies. Your existing options for interest, repeating entries, and due-date reminders are still here. From a shared lunch to a loan repayment: less typing, fewer steps, more recorded.

Meet Voice Entry 2.0: a simpler, faster way to keep track of your money. Speak naturally and turn one dictation into multiple entries—even for different people. You can now include currencies, repeating schedules, interest, and due-date reminders alongside amounts, dates, and notes. With significantly improved dictation and faster interpretation, there’s less to type and fewer details to fill in. Clear entries save automatically. Anything that needs your attention stays ready for you to review and correct. Say more. Tap less. Keep everything recorded.

Good news if you use more than one device: exchange rates now sync across your devices and Spaces, so converted balances line up after syncing. Rates can also refresh daily when you use the app. And if you use Balance Sync, newer rates are shared with the people you’re connected to, too.

Balance Sync just got better! Share repayment plans, recurring entries, and payment progress with more confidence. Enjoy clearer balances, easier setup, and improved sync reliability—plus performance improvements for a faster, smoother experience.

You can now record a conversation, expected payment date, or check-in right from the timeline, and add a note about what was discussed. Follow-up suggestions and reminders now take those updates and partial repayments into account.

Import your loan history Already tracking a loan in notes, a spreadsheet or on paper? Bring it into You Owe Me from text, a photo, or a CSV, Excel (.xlsx) or Word (.docx) file. Review the loan and its past repayments before saving, then keep tracking without entering each payment again.

Small refinements for a smoother everyday experience. This update makes money direction clearer when adding an entry and polishes the Settings and upgrade buttons. Thank you for using You Owe Me.

Improved loan repayment plans, clearer balance previews, and helpful guidance when adding your first entry.

Interest management now includes entries where interest has stopped, clearly separated from current entries so you can easily review or update them.

More control over your entries: • Close an entry as unpaid without recording a payment. It stays in your history, updates the balance correctly, and can be reopened anytime. • Manage recurring entries in one place—review schedules, edit them, or stop future entries. • Manage entries with interest together—review their terms, make changes, and stop or remove interest when needed. We’ve also improved recurring scheduling and overall reliability.

New: Live Links for loans Share an up-to-date view of a loan, including its balance, recorded payments, changes, and repayment plan. Recipients can open it in any browser—no app needed. Only that loan is shared; your other loans and overall balance aren’t included.

You can now add a supporting image directly to your PDF, even if it isn’t attached to an entry. Include a receipt, screenshot, or other image, with an optional caption for extra context. This update also includes bug fixes and stability improvements.

You can now attach supporting photos to entries—perfect for receipts, invoices, and other helpful records. Photos can also be included in PDF statements when needed. This update also includes bug fixes and performance improvements. You Owe Me will soon celebrate its 10th anniversary! Thank you for being part of the journey and for trusting us to keep your shared expenses and paybacks clear.

You can now move people between Spaces while keeping their recurring items, linked reminders, and Group Payback connections together. You Owe Me will soon celebrate 10 years! Thank you for being part of the journey and for trusting us to keep your shared expenses and paybacks clear.

YouOweMe now supports 10 languages! This update adds Italian, Korean, and Polish, making it easier for more people to track balances, loans, and repayment plans in the language they prefer.

Meet Spaces — a clearer way to organize your money. Keep personal, family, and work finances separate. Each Space has its own people, loans, entries, repayment plans, and total—with secure cloud backup and sync across your devices.

• Quickly hide balances and transaction amounts on the start screen whenever you need more privacy. • The tab bar now moves out of the way while scrolling, giving you more space for your information. • Improved navigation, visual polish, and overall app reliability. Thank you for using You Owe Me!

Quality-of-life improvements throughout the app, plus bug fixes for a smoother and more reliable experience.

Introducing Repayment Plans — a complete way to turn any loan into a clear, trackable path to repayment. Create a plan with flexible payment frequency, payment amount, first payment date, and optional interest. You Owe Me builds the full schedule, tracks every payment, handles partial or early repayments, and automatically keeps the plan up to date as the loan changes. See what’s paid, what remains, the next payment, overdue amounts, progress, and projected payoff—all in one place. Add payment reminders and optionally include the complete repayment plan when sharing a loan as a PDF. It’s much more than a loan calculator. It’s a practical repayment system designed to keep both the money and the expectations clear.

Money Messages are now even better. Follow-Up, Repayment Update, and Ask for Loan now create more natural, thoughtful messages that are ready to send—making conversations about money with friends, family, and anyone you share expenses with clearer and less awkward. You can also attach a PDF statement directly to Follow-Up and Repayment Update messages, so your message and its details arrive together.