The app writes money messages for you. Using history and context, AI creates polite follow-ups when someone owes you and clear repayment updates when you owe them.
Stop losing money over forgotten loans — and stop stressing about what to say when money is involved.
Most money apps focus on numbers.
YouOweMe helps you handle the conversation.
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, and repayments without awkward conversations.
Log what you borrow or lend, split bills, track balances — and let AI help you communicate clearly when it’s time to follow up or send a repayment update.
Money Messages (AI-written follow-ups & repayment updates)
The hardest part about money is often not the math — but the message.
Money Messages help you write the right message for the situation, whether:
• someone still owes you and you want to follow up, or
• you owe someone and want to send a clear repayment update.
Choose the person and tone (friendly, polite, or firm), and YouOweMe generates a ready-to-send message that explains the situation clearly and respectfully.
Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view the details without installing the app.
No awkward wording.
No emotional pressure.
Just the right message, at the right time.
Whether you’re tracking money friends owe you, splitting shared expenses, managing IOUs, handling repayments, or keeping client payments clear, YouOweMe gives you a clean, simple alternative to spreadsheets and manual reminders.
YouOweMe is built for exactly that.
Beyond communication, YouOweMe makes money tracking fast and effortless.
Voice-to-Entry (Add loans without typing)
Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”
YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.
Smart Payment Reminders
So you never have to remember who owes what — or feel awkward reminding them.
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 that always shows who owes whom
• Split expenses in one tap (equal or custom)
• Track borrow and lend history with a clear timeline
• Instant sharing of clean summaries for transparency
• Recurring entries for rent, subscriptions, utilities, or repeating payments
• Interest rate tracking for long-term or large amounts
• Sync across devices + multiple cloud profiles under one login
• Face ID / Touch ID lock for privacy
• Works offline
• No mandatory sign-up to get started
YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money.
Designed for personal loans between people.
Download YouOweMe and keep every loan clear, remembered, and resolved.
YouOweMe keeps money clear — and relationships intact.
Track loans. Send the right message. Get paid without stress.
Learn more: https://midoris.github.io/loan-tracker-you-owe-me/
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 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!
Convenient and smart
Andy James 255
Great app! I like that I can change amount, date, who is borrowing to whom anytime. And time travel feature: I can see my balance in the past for any date. It is very convenient!
Developer Response
Thank you! The app has evolved a lot since then, with many improvements and new features added on top of what you mentioned. I’m continuing to build and refine it based on real-life use cases.
Great Loan Reminder App
cvhnkgrfbhu
Takes track of all personal Loans for years I have barrow….. it will be nice thought if they improve an interest rate for those who take time to pay off.
Developer Response
Thanks for the feedback and long-term use! Interest tracking and payoff improvements have been added since this review, and the app continues to evolve based on user suggestions. Really appreciate you sharing this.
Super!
mariia.kohTao
Very good app =)Nice design, easy to use and straight forward. I can select date and even change it later for any loan. Everything else can be changed later to. Very flexible.
Developer Response
Thank you! The app has grown a lot since then, with many improvements and new features added while keeping the flexibility you mentioned.
Stability improvements and internal optimizations
Version 6.6.1
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
26.5 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.