Debt Tracker & IOU: Meow Debt

Super cute bill splitter

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Meet Bestie, Hihi and Chill: they keep your IOU book, split the bill and write the awkward nudge for you. Add an IOU in one line. No account, no ads, no tracking. The cute IOU tracker: see who owes you at a glance, split the bill with friends, and let three tiny mascots say the awkward part. Lending a friend $38 for a concert ticket is easy. Asking for it back is the hard part. Meow Debt turns every IOU into a little coinling that goes out to play at your friend's place. The longer it's away, the more homesick (and mossy) it gets. When it's time, Bestie, Hihi and Chill write a friendly nudge card for you to send. ADD AN IOU IN SECONDS • Type one sentence like "Jordan owes me $38 concert ticket" and Meow Debt picks out who, how much and what for • Split a bill with the group: equally, by item or by share, including who paid on the spot • Add due dates, notes and photos. Every IOU keeps its own currency and is never converted NUDGES THAT DON'T FEEL AWKWARD • Nudge cards in three voices: Sweet, Tease and Blunt • Put your payment link (like PayPal, Venmo or Cash App) or QR code on the card so friends can pay right away • Share the card through any messaging app. Meow Debt never sends anything by itself • When a coin comes home, cross it off and send a thank-you card SEE EVERYTHING AT A GLANCE • Two totals: what friends owe you and what you owe them • Coins age from just left to homesick to mossy, and overdue ones get a red pen circle • Log partial payments, move a due date, settle up two IOUs against each other, or just let one go • A friends list that shows who's all square, plus a private payback pace only you can see • Home Screen and Lock Screen widgets GENTLE REMINDERS, ON YOUR TERMS • At most once a day, three times a week, and never after 9 PM • A reminders inbox shows what's coming up, and you can skip any of them PRIVATE BY DESIGN • No account, no ads, no tracking. Your book stays on your device and syncs through your own iCloud • Lock it with Face ID, hide the amounts, or shake your phone to hide them • Export a backup anytime • Serious mode hides the mascots when you just want the numbers MAKE IT YOURS • Rename the trio, pick an app icon, go light or dark • Works on iPhone and iPad, in 19 languages • 24 animated stickers of the trio for iMessage A SHOP AND WARDROBE FOR THE TRIO • Earn fish snacks each time you log a debt and when a coinling comes home, then trade them for hats, glasses, scarves, tops and shoes for Bestie, Hihi and Chill • Try items on right on the trio. Taps and swipes still get a reaction • Seasonal items for Lunar New Year, Mid-Autumn, Halloween, Christmas and Valentine's Day • Need more snacks? Fish snack packs are available as in-app purchases. Outfits stay in the app and never appear on your reminder cards MEOW DEBT PRO • Unlimited coinlings (the free book holds 12 open ones) • The Tease and Blunt voices • Cards without the watermark • Pro outfits for the whole trio • An Excel report (.xlsx): an overview with charts, plus ledgers of what you're owed and what you owe Choose yearly, monthly or lifetime. Subscriptions renew automatically unless canceled in your Apple Account settings at least 24 hours before the current period ends. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://meono.app/privacy Add your first IOU and let the trio handle the awkward part.

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The developer, Manh Nguyen, 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

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    Manh Nguyen
    Size
    34.7 MB
    Category
    Finance
    Compatibility
    Requires iOS 18.0 or later.
    • iPhone
      Requires iOS 18.0 or later.
    • iPad
      Requires iPadOS 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.
    Languages
    English and 18 more
    • English, Arabic, Dutch, French, German, Hindi, Indonesian, Italian, Japanese, Korean, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Thai, Traditional Chinese, Turkish, Vietnamese
    Age Rating
    4+
    In-App Purchases
    Yes
    • Meow Debt Pro Monthly $2.99
    • 700 fish snacks $4.99
    • 120 fish snacks $0.99
    • 330 fish snacks $2.49
    • Meow Debt Pro Lifetime $39.99
    • Meow Debt Pro Yearly $19.99
    • 50 fish snacks $0.49
    • Learn More
    Copyright
    © Manh Nguyen
  • Developer Website
  • Privacy Policy

    • More by Manh Nguyen

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