The Ledger: Friend IOUs
Settle the side bets
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
A friendly tab for the IOUs that pile up on group trips.
Whether it's the loser-buys-dinner round of golf, the closest-to-the-pin contest, or the bunk-room
rotation, The Ledger helps your group keep score on the road. Record IOUs as they happen, decide
the outcome together, and settle up with one tap to Venmo.
KEY FEATURES
• Trips for your group, events for each round, day, or activity
• Either party records an IOU; the other verifies with one tap
• Outcomes resolve automatically when the event is decided
• Smart settle-up math finds the fewest transfers to square everyone
• Tap-to-pay Venmo deep-links — The Ledger never holds or moves money
• Sign in with Apple or Google
• "View Demo as Guest" to explore the app without an account
• Delete your account from inside the app at any time
WHY THE LEDGER
No spreadsheets. No mental math at the airport. Just a clean paper-style ledger that everyone in
the group can read.
HOW SETTLEMENT WORKS
The Ledger never holds, transfers, or facilitates money. The app records an IOU between you and a
friend, calculates who owes what at the end of a trip, and opens your existing Venmo app to send
payment. Money moves through Venmo, not The Ledger.
PRIVACY
We don't track you across other apps. We don't use third-party analytics SDKs. Full policy:
pineconesoftware.dev/privacy/the-ledger
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
-Push notifications for new wagers, accepts/declines, settlements, and payments
-Enhanced views for events and action items
-Improved settle up screen
The developer, Pinecone Software, LLC (NC), 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 Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contact Info
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Pinecone Software, LLC (NC)
- Size
- 3.5 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- Frequent
Simulated Gambling
Contests
Contains
User-Generated Content
- Copyright
- © 2026 Pinecone Software, LLC