Let the app write your money messages. Ask for money, follow up, and send repayment updates based on your balances and history.
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 expenses, client payments, repayments, and balances clearly and professionally, without awkward conversations.
Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages.
Since 2016, YouOweMe has helped families, friends, and small businesses manage shared money clearly — without friction.
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 real 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 (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation.
Messages include a clear breakdown of the balance and 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 three times.
Whether you’re helping your parents manage bills and online purchases, splitting everyday expenses with your partner, tracking loans to your kids, or handling shared payments with roommates — YouOweMe keeps everything organized and easy to reconcile.
Track money that goes back and forth.
Split everyday expenses.
Keep family loans organized — without spreadsheets.
Professional Statements & PDFs
For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look.
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 with the correct names, amounts, categories, and dates.
Smart Payment Reminders
Set reminders for payments you need 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
• 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 what to say.
Keep money — and relationships — clear.
By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
This app is not overly complicated nor lacking in important features. It’s intuitive, efficient, and easy to use. It has been SO helpful for me in managing the money paid back and forth between me and my elderly parents. I manage their online subscriptions, some of their utilities accounts, and online purchases, because they really struggle with computer and internet functions. I pay for things for them and then use this app to keep track of what I’ve paid. Then they pay me back what they owe me every few weeks or so and I can easily reconcile the debt. The app is really great for someone like me who has to make a lot of entries. It even has a recurring charge function that is very helpful for handling bills with the same amount every month. I also use the app for IOUs for random things between my boyfriend and I, because I do all the grocery shopping, picking up prescriptions, etc, but he usually pays for things like plane tickets, hotel stays, etc. It has made life easier for me, my boyfriend, and my parents because this way we don’t have to reconcile debts every time they happen. I can just handle it with them periodically and still keep the money exchanges accurate. I highly recommend this app!
Developer Response
Thank you for taking the time to write such a detailed review.I’m really glad the app has been helpful in managing subscriptions, family expenses, and everyday IOUs. Supporting parents and keeping everything organized without constant reconciliation is exactly the kind of situation the app was designed for.It’s great to hear that recurring entries are working well for you. I truly appreciate the recommendation and your support.Ievgenii
I love this app! Easy to use and very efficient
moko2386
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!
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!
UI and performance improvements across the app, including a smoother and more polished experience in key screens.
Version 6.7.3
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
29.4 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.