Features
All YouOweMe features
YouOweMe is built for real-life money between people: IOUs, shared bills, loans, repayments, recurring costs, family reimbursements, client balances, and the conversations around them.
See the app in action
Explore the main YouOweMe features for tracking IOUs, shared bills, repayments, reminders, PDF records, interest, and money conversations.
Money between people
Start from people, balances, and the everyday money situations that happen between them.
One running balance
Keep IOUs, shared bills, repayments, and partial paybacks in one clear history.
Know when to follow up
Smart Money Check-Ins help you notice when silence, promised dates, or repayment progress need attention.
Know what to say
Money Conversations turn the real balance and history into calmer follow-up, ask-for-loan, and repayment update messages.
Share a live balance
Share an always-current balance in a browser link without requiring the other person to install the app.
Split bills fairly
Split shared expenses equally or with custom amounts, then keep the result in the running balance.
Recurring bills
Use recurring entries for rent, utilities, subscriptions, allowances, and repeated household or family costs.
Payback reminders
Track upcoming, overdue, and completed reminders for collecting money or repaying someone else.
Share clear records
Create clear PDF statements for family reimbursements, clients, larger balances, or formal summaries.
Track interest
Add interest to long-running balances when the amount needs a more precise record.
Log money by voice
Capture real-world money moments quickly by speaking naturally instead of typing every detail.
Balance & records
Keep the actual money story clear: who paid, who repaid, what changed, and where the balance stands now.
Running balances
Every entry updates one clear balance per person, so you can see who owes whom without rebuilding the history from chats, notes, bank transfers, or memory.
Main use cases
- Long-running IOUs with friends or family
- Couple, roommate, or client balances that change over time
- Partial repayments and shared expenses in one timeline
IOU tracking
Record money lent, money borrowed, informal loans, covered purchases, and everyday IOUs without turning the app into accounting software.
Main use cases
- Money a friend still owes you
- Money you borrowed and want to repay clearly
- Family loans, client balances, and personal payback records
Borrow/lend history
Keep a timeline of what happened, whether you lent money, borrowed money, paid for something, or received a repayment. The point is to preserve context before details fade.
Main use cases
- Checking how a balance got to its current amount
- Confirming old repayments or partial payments
- Keeping a record for family or client conversations
Partial repayments
Record a repayment even when it does not settle the full amount. The running balance updates immediately, which keeps follow-ups fair and specific.
Main use cases
- Someone pays back part of an IOU
- You repay a balance in stages
- Client or family balances move gradually over time
Notes and transaction timeline
Add context to entries so the future version of you knows what the payment was for. Notes help turn a number into a story both sides can understand.
Main use cases
- Groceries, rent, subscriptions, online orders, and travel
- Explaining a repayment or adjustment
- Keeping cleaner records for formal statements
Search and quick entry
Find older amounts or notes quickly and add new entries without friction, especially when you track money often.
Main use cases
- Large histories with many entries
- Frequent family reimbursements or household purchases
- Fast capture before details are forgotten
Multi-currency support
Track balances in different currencies when the real-life situation crosses countries, travel, or people who pay in different currencies.
Main use cases
- Travel expenses and international friends
- Family purchases in different currencies
- Separate balances that should not be merged into one currency
CSV export
Export records when you need a spreadsheet backup, want to review your history elsewhere, or need to preserve data outside the app.
Main use cases
- Personal backups
- Tax-time or client record review
- Moving records into a spreadsheet for analysis
Communication & sharing
The app does not only store numbers. It helps you decide when communication matters and what to say next.
Smart Money Check-Ins
Silence is often what makes money situations awkward. Smart Money Check-Ins adds a proactive timing layer by watching real balances, repayment progress, reminders, promised dates, and stretches of silence.
When communication starts to matter, the app suggests the right next step, explains why now, and takes you into a ready-to-send message before tension has time to grow.
Main use cases
- Following up when someone owes you and silence is becoming risky
- Sending a repayment update when you owe someone
- Avoiding repetitive prompts with adaptive resurfacing
Money Conversations
Money Conversations turns your real balance and history into ready-to-send messages for the three situations people avoid most: Follow-Up, Ask for Loan, and Repayment Update.
Choose a tone, adjust details if needed, and keep full control before sending. Messages can include a Live Link so the other person can view the latest statement without installing the app.
Main use cases
- Follow-up when someone owes you
- Ask for Loan when you need help and want to ask respectfully
- Repayment Update when you owe someone and want to keep trust intact
Follow-Up messages
Generate a clear check-in when someone still owes you and you want the message to feel calm, specific, and grounded in the actual balance.
Main use cases
- Late repayments
- Friendly reminders after silence
- Awkward IOUs where wording matters
Ask for Loan messages
When you need to borrow money, create a clearer request from the real context instead of rewriting the message until it feels acceptable.
Main use cases
- Asking a friend or family member for help
- Explaining amount, reason, and expectations
- Keeping the tone respectful and direct
Repayment Update messages
If you owe someone, send a clear update that explains what changed, what has been repaid, and where things stand now.
Main use cases
- Confirming a partial repayment
- Keeping trust when you need more time
- Reducing confusion about the remaining balance
Live Link
Live Link turns a shared statement into an always-current view. You manage the balance in YouOweMe while the other person opens one browser link to see the latest balance and transaction history as entries change.
Only one person needs the app. The other person does not need to install anything or create an account.
Main use cases
- Sharing a live balance with family, partners, roommates, or clients
- Replacing repeated screenshots with one current link
- Giving the other person visibility without asking them to install the app
Shareable summaries
Send clear summaries when the other person needs context, whether that is a quick balance explanation, a Live Link, or a more formal PDF statement.
Main use cases
- Reducing back-and-forth questions
- Sharing a balance before a conversation
- Giving people a record they can review later
Shared costs & schedules
For repeated household costs, one-time splits, recurring charges, and balances that keep changing.
Split expenses
Split shared expenses in one tap - equal or custom - and keep balances accurate for groups, roommates, trips, couples, or family spending.
Main use cases
- Groceries, dinners, rent, utilities, and travel
- Group expenses where one person paid
- Turning one split into an ongoing running balance
Equal splits
Divide a shared bill evenly when everyone owes the same share, then keep the result in the person-to-person balance.
Main use cases
- Meals, groceries, household supplies, and trip costs
- Simple roommate or group expenses
- Fast splits where fairness is straightforward
Custom splits
Use custom amounts when a shared expense is not evenly divided. This keeps the record fair without recalculating later.
Main use cases
- Different room sizes or rent shares
- Uneven groceries or travel contributions
- Couples or families with different agreements
Payment reminders
Set reminders for money you need to collect or repay. Reminders work for one-time IOUs, payback dates, and recurring bills, so the app can hold the memory for you.
Main use cases
- Upcoming, overdue, and completed payment reminders
- Promised repayment dates
- Recurring family, roommate, or household bills
Recurring entries
Some money patterns are not one-offs. Rent, subscriptions, allowances, weekly coffees, monthly bills, and shared household costs tend to come back again and again.
Recurring Entries turns one entry into a schedule. Choose the rhythm from daily to yearly, keep it tied to the right weekday or calendar date, and optionally set when it should end. As each repeat comes due, the app creates a real entry so balances and history stay accurate.
Main use cases
- Rent, utilities, subscriptions, and allowances
- Every 2 weeks, every 3 months, or yearly repeats
- Repeated household costs that should update the real balance
Rent, utilities, subscriptions, allowances, and repeated household costs
Use recurring entries and reminders together for the payments that keep returning. This is useful for roommates, couples, family reimbursements, and anyone who manages bills for someone else.
Main use cases
- Roommate rent and utilities
- Parent subscriptions or online purchases
- Household costs that repeat but still need a clear balance
Formal records
For larger balances, long-running records, clients, family reimbursements, or any situation where a more formal summary helps.
PDF statements
Generate clean, shareable PDF statements from your records when you need a more formal summary. Statements reflect the real balance and history, not a manually rebuilt spreadsheet.
Main use cases
- Client balances and small business records
- Family reimbursements that need a polished summary
- Long-term or interest-based balances
Optional logo/image branding
Add your own logo or image to a statement when the record needs to feel more professional or easier to recognize.
Main use cases
- Small business or freelancer summaries
- Client-facing repayment records
- Formal family reimbursement records
Payment due dates
Add due dates when timing matters, then use reminders and statements to keep expectations clear.
Main use cases
- Repayment agreements
- Client or business balances
- Family reimbursements with a known payback date
Interest tracking
Add an interest rate, choose daily, monthly, or yearly accrual, set a start date, and see accrued interest so far.
Main use cases
- Long-running balances where interest matters
- Larger informal loans
- Clear repayment summaries with principal and interest context
Long-running balances
YouOweMe is designed for money situations that do not finish in one transaction. The balance can move up or down as entries, repayments, splits, and adjustments happen.
Main use cases
- Family, roommate, couple, or client records over months
- Balances with partial repayments
- Situations where the history matters as much as the amount
Client or small business records
Use YouOweMe for simple client balances and repayment records when you need clarity, not a full accounting or invoicing replacement.
Main use cases
- Freelancer repayment records
- Simple client payback histories
- Clear statements for balances both sides need to review
Convenience, privacy, and reliability
Fast capture, offline access, privacy controls, and sync options help the app fit everyday use.
Voice to Entry
Say something like "I lent Alex 30 euros for groceries yesterday." The app turns it into a structured entry with the right person, amount, category, and date.
Main use cases
- Fast capture when you are on the go
- Daily use without typing every detail
- Natural wording for real-world money moments
Works offline
Use YouOweMe even when you do not have a connection. This is useful when you need to record something immediately and do not want the moment to disappear.
Main use cases
- Travel, poor reception, or quick entry on the go
- Private records you want available on device
- Tracking without depending on a live web app
No mandatory sign-up
Start tracking without being forced through an account wall. You can keep simple money records quickly when the need is immediate.
Main use cases
- Quick IOU tracking
- People who want less account friction
- Testing the app before using cloud features
Face ID / Touch ID lock
Add device-level privacy protection around sensitive money records, so casual access to your phone does not mean casual access to IOU details.
Main use cases
- Personal balances you want to keep private
- Family or client records on the same device
- Extra privacy for everyday finance data
Sync across devices and multiple cloud profiles
Use cloud sync and multiple cloud profiles when you need records available across devices or want to keep different money contexts separate.
Main use cases
- Moving between iPhone and other Apple devices
- Separating personal, family, or client profiles
- Keeping important balances backed by cloud features
Ready to track money between people clearly?
Start from your real situation, keep the balance clear, and use the right follow-up when money gets awkward.
Updated