Loan Tracker: You Owe Me

IOUs & Money Messages

Free · In‑App Purchases · Designed for iPad

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/

  • 4.5
    out of 5
    317 Ratings

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

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

    • 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.
      • Apple Vision
        Requires visionOS 1.0 or later.
    • Languages
      • English
    • Age Rating
      4+
    • In-App Purchases
      Yes
      • Debt, Loan Tracker Unlimited $3.99
      • Monthly Friends & Family $2.99
      • Yearly unlimited $19.99
      • Sharing Options. Debt tracker $1.99
      • Monthly Friends & Family $1.99
      • Unlimited Lifetime $6.99
      • Monthly Full Version $1.99
      • Debt Tracker.Recurring Entries $0.99
      • Family Plan $2.99
      • Cloud Accounts Light $2.99
    • Copyright
      • © 2026 Ievgenii Iablonskyi