OweTrack - IOU Tracker
Keep track of who owes who.
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Track IOUs and repayments on your iPhone. Search, sort, archive paid-off IOUs, export your ledger, and save backups. Optional Face ID or passcode App Lock.
OweTrack is a lightweight IOU tracker for friends and family. Keep track of who owes whom, record repayments, and see what remains to be paid.
Use it when someone covers dinner, tickets, travel, rent, or a shared purchase. Your ledger is stored on your iPhone, with no account, analytics, or tracking.
Features:
- Create IOUs with a title, borrower, lender, amount, optional due date and reminder, and notes
- Add, edit, and delete repayments; see remaining balances and payment history
- See active, overdue, and paid-off IOUs
- Search titles, people, and notes; filter by status and sort by date, balance, or title
- Archive paid-off IOUs and retrieve them with the Archived filter
- Schedule local reminders when saving a new IOU with a future reminder date; change or cancel reminders and check their status
- Share a repayment summary or your complete ledger as plain text
- Export CSV with IOUs and payment history, including archived IOUs
- Optionally require Face ID or your device passcode to open the app
- Save JSON backups through Files and preview missing IOUs before restoring them
Restoring a backup keeps existing IOUs unchanged. Restored reminder dates do not automatically schedule notifications. Backups are manual; OweTrack does not sync your ledger between devices.
You choose where shared text and exported files go, including any cloud file provider you select. CSV and backup files are not encrypted by OweTrack. App Lock protects the app screen, not exported files or notification previews.
OweTrack does not process payments, move money, or connect to banks. It is a simple ledger for recording IOUs and repayments.
Ratings & Reviews
OweTrack 1.1 makes your private IOU ledger easier to manage:
- Save an IOU with a future reminder to schedule it, with clear status and change/cancel controls
- Search titles, people, and notes; filter and sort your IOUs
- Archive paid-off IOUs and find them again with the Archived filter
- Share your complete ledger as text or export CSV with payment history
- Add optional Face ID or device-passcode App Lock
- Save JSON backups and preview/restore missing IOUs through Files
Also includes improvements to money entry, saving reliability, and reminder handling when an IOU is paid off or reopened.
The developer, AppKid LLC, 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.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- AppKid LLC
- Size
- 7.4 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 AppKid LLC