IOU - debt manager 4+

Track debts, bills and loans

Sergey Tubin

Designed for iPad

    • $3.99



IOU (I owe you) is a debt manager app for things and money. With options like recurring debts, payments and notifications you can keep track of loans, periodic payments, bills and personal debts all in this single app! Syncing to allows keeping and editing your data on different devices and in web browser and share debts with your contacts.

-Borrow/lend things and money
-Partial payments
-History of settled debts
-Notifications for overdue debts
-Recurring debts and payments
-Password or Touch ID protection
-Cloud sync
-Debts sharing
-Automatic email reminders (sync required)
-Send email or SMS to debtors
-Photo attachments

For any questions, issues and suggestions please write to If you like the app, please support it by rating and leaving a review!

What’s New

Version 4.0.1

This app has been updated by Apple to display the Apple Watch app icon.


Ratings and Reviews

4.1 out of 5
12 Ratings

12 Ratings

cacapoopy ,

Near perfect. A paid app also having a subscription IAP is for the dark ages…

This is a paid for app yet it also has a monthly subscript service that enables very trivial but essential features such as email reminders, cloud backup, and web based integration. It simply is not worth paying a monthly fee for the services on top of paying for the up upfront. I had to buy Judy to try, which is s terrible sales tactic. Even the most affordable price for an app is too much if you can’t return it after learning it doesn’t suit your needs.

Integration with your address book for email alerts would be a welcome feature as well as integration with your address book for SMS Alerts through twillio ( or similar) could also be a nice feature.

The overall flow of the app from entry of debt to paying off the debt to partial payment of debt to overpayment of debt to the actual entry of the debt is convoluted and confusing. Some rearranging of the screen and workflow of data entry is in order. It’s not a show stopper and I was able to get used to it but it definitely was a consideration when evaluating it. Had I not paid for the app I probably would not have mentioned any of these things or even bothered with a review of this nature.

mryang888 ,

Life changer

Best app in the market for you to remember who and when a person paid you. Extremely simple and nothing complicated at all.

mbxok ,

Very useful app

I use this app to keep track of all monies and things owed to me or that I ow others. It makes it very easy and simple. Keep up the good work.

App Privacy

The developer, Sergey Tubin, has not provided details about its privacy practices and handling of data to Apple.

No Details Provided

The developer will be required to provide privacy details when they submit their next app update.


  • Family Sharing

    Up to six family members can use this app with Family Sharing enabled.

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