Money between people, made clear
Know who owes whom and what to say next
YouOweMe keeps IOUs, bills, loans, repayments, and each person's timeline organized around one clear running balance, with reminders that keep the money context, Live Links, and calm follow-up messages when money gets awkward.
- See the real balance without checking old messages
- See entries, loans, shared statements, follow-ups, and updates in context
- Know when to follow up with Smart Money Check-Ins
- Share clarity by Live Link without forcing anyone into the app
Clear numbers. Clear words. Less tension. Free download - works offline - no mandatory sign-up. Read Privacy and Data in You Owe Me.
Start with your situation
What kind of money are you trying to keep clear?
Choose the closest match. You do not need the perfect category — You Owe Me is built around the balance, history, repayments, and next step between people.
Someone owes me money
Track IOUs, partial repayments, due dates, reminders, and calmer follow-ups when a friend, family member, client, or roommate still owes you.
Temporary support
Keep covered rent, bills, groceries, repayment steps, timing changes, and check-ins clear without making the situation feel heavier than it needs to.
I pay for a parent or family member
Track parent bills, subscriptions, groceries, pharmacy purchases, online orders, sibling reimbursements, recurring charges, and repayments.
We split costs as a couple
Keep groceries, travel, rent, subscriptions, uneven spending, and repayments clear without turning every purchase into a tense conversation.
Roommates and household bills
Track rent, utilities, groceries, household supplies, recurring charges, repayments, and roommate settle-ups in one running balance.
Shared expenses over time
For friends, trips, groups, and repeated shared spending where one quick split is not enough.
Running balance calculator
Add expenses and repayments over time to see the current balance between two people.
One quick split
Only need to divide one bill, meal, purchase, trip cost, or household expense?
Want proof first? Read real App Store reviews.
What is You Owe Me?
You Owe Me is an iPhone app for tracking money between people. It helps with IOUs, shared bills, temporary support, informal loans, repayments, recurring costs, reminders, Live Links, PDF statements, and follow-up messages — so you can see who owes whom, what changed, and what to say next.
Use it when the amount does not stay simple: someone repays part, another cost is added, a due date changes, a recurring bill renews, or you need to share the balance without forcing the other person into the app.
How YouOweMe keeps shared money clear
1
Log what happened
Add money lent, money borrowed, bills paid, shared expenses, recurring costs, or repayments.
2
See the balance and timeline
Every entry updates the balance. Timeline keeps the money story with that person organized beyond a simple transaction list.
3
Follow up or share clearly
Check what already happened, then set a reminder for a due date, bill, balance, or follow-up, generate a calmer money message, send a Live Link, or create a PDF statement when the situation needs more clarity.
New to YouOweMe? Read the Quick Start guide to see how people, entries, repayments, running balances, and shareable records fit together.
Real shared-money situations, not just one-time loans
★★★★★
Super Handy App!
“This app is a lifesaver! I finally have an easy way to track money I’ve loaned or am owed.”
“No more awkward ‘you still owe me’ talks—just open the app and it’s all there. Simple, reliable, incredibly useful.”
App Store review · ThePres_560
★★★★★
Great app - Great developer
“I contacted the developer and he was super receptive to the idea. He developed it and now we have live links.”
“Literally only took a couple of weeks and he had it all up and running, and designed beautifully too! I have purchased the lifetime subscription.”
App Store review · Random206
★★★★★
I love this app! Easy to use and very efficient
“This app has made my life so much easier. Between keeping track of the accounts and bills I manage for my elderly parents, and same for my boyfriend and me, I have a lot of loans and repayments happening.”
“It also has a feature for recurring charges/payments, which has been a big help as well.”
App Store review · moko2386
Why it works
See how YouOweMe handles follow-ups, repayments, and shared expenses
The video is here for context, not as the main pitch: YouOweMe keeps the balance, the history, and the next message in one place.
- Track who owes whom clearly
- Handle follow-ups without awkward wording
- Keep shared money organized in one place
★★★★★
A Mothers Love
“You Owe Me has been a life saver. My kids can no longer forget what I loan them or what they have paid back. Being able to add interest is a super plus. The reminders and letters gets to the point. I love this app.”
App Store review · HisQueen73
★★★★★
Love this app
“It really helps me track all my transactions and bills. For both creditors and debtors.”
App Store review · DDB3019
★★★★★
If I could only have one app...
“Truly a favorite app! I use this app more consistently than 99% of all others on my phone. It is invaluable at keeping me on track with purchases made on behalf of multiple family members.”
App Store review · Leanne Dawn
★★★★★
Simple, Stress-Free Way to Track Family Loans
“I use You Owe Me to keep track of loans I give to my kids, and it’s been great. The app is very easy to use, even for someone like me who isn’t very tech-savvy. It’s taken all the stress out of tracking money between family.”
App Store review · BorrowedSun
★★★★★
Great App
“This app is so useful for me to keep my data safe and right by my side. I hated having to go get my notebook every time a transaction was made. It’s so nice having all the details of each transaction too.”
App Store review · Fee Please
★★★★★
This app is AMAZING!!
“From the first use, the layout and organization stood out, and performance is smooth. I reported a small profile-photo bug; the developer replied quickly and fixed it in the next update.”
App Store review · Callum Oxford
★★★★★
Highly recommended
“This is my go-to app for a year now for daily financial logs. It has been much easier and more convenient than anything I used before. The UI is simple and clean despite all the features.”
App Store review · Loai42462
★★★★★
Everything you need
“I’ve used this app for a long time. It’s the only app where the developer truly listens and responds. The interface is very easy to use, transactions are fast, and it supports many currencies, reminders, and recurring entries.”
App Store review · iPepeep
★★★★★
“Perfect app for handling IOUs! It’s intuitive, efficient, and easy to use. It has been SO helpful for me in managing the money paid back and forth between me and my elderly parents.”
App Store review
★★★★★
Great App
“Superb app. I purchased the Unlimited Entries and Members subscription, and it has everything a lender needs to keep clear records. Great interface and accessibility.”
App Store review · Maruthi Madasu
★★★★★
Simple and efficient
“One of the best apps to track your money—whether you’re lending or running a business. Simple, user-friendly, and it gets the job done.”
App Store review · Lux Clyne
★★★★★
awesome app
“You can put a note to every transaction and the developer added my currency within like 3 days of me requesting it! Other apps exist, but this app is convenient and there are no subscriptions.”
App Store review · MiiMiiah
★★★★★
Small useful app
“There are a number of apps like this, but this one is the best so far. The simplest interface with solid functionality. I use it daily—everything in one clean screen.”
App Store review · Natallia Yablonskaya
★★★★★
No alternative
“No app is flawless, but there really is not anything better out there. The developer listens to feedback and fixes issues fast. This is not an abandoned project.”
App Store review · Real,Realer,Realest
★★★★★
Super!
“Very good app. Nice design, easy to use, and straightforward. I can set a date and change it later for any loan. Everything else can be edited too. Very flexible.”
App Store review · mariia.kohTao
★★★★★
Easy To Use!
“This app is super innovative and makes it easy to keep track of the money people owe you. Highly recommended!”
App Store review · Mark Sliverton
★★★★★
The best loan tracker app 😇
“I’ve tried several apps, but this one is the best!”
App Store review · Mans18
Built for the moments when money gets messy
Running balances
One running balance per person
Track money lent, borrowed, repaid, split, or covered in one history. As you scroll back, the balance updates with the entry you are viewing.
Separate important loans
Create a focused record for a specific loan, repayment plan, client project, or family bill while the full balance with that person stays correct.
Smart Money Check-Ins
Know when to follow up
Smart Money Check-Ins look at real balances, repayment progress, reminders, promised dates, shared statements, and silence to suggest when a balance needs attention.
Money Conversations
Send the right message
Generate follow-up, ask-for-loan, and repayment-update messages from the real balance and history, with a tone that fits the relationship.
Need a one-time message first? Try the free Payback Reminder Generator or read how to remind someone they owe you money politely.
Live Link
Share a live balance
Share one always-current statement link so the other person can see the latest balance and history in a browser without installing the app.
Everything included
For simple IOUs or long-running balances, YouOweMe keeps the tools you need in one place, including percentage interest that grows over time and fixed interest added once.
- Running balances
- Balance Replay
- Relationship Timeline
- Loan Records
- IOU tracking
- Temporary support tracking
- Shared expense splits
- Partial repayments
- Payment reminders with context
- Recurring entries
- Smart Money Check-Ins
- Money Conversations
- Live Link
- PDF statements
- Percentage and fixed interest tracking
- Voice to Entry
- CSV export
- Multi-currency support
- Sync across devices and multiple cloud profiles
- Face ID / Touch ID lock
- Works offline
- No mandatory sign-up
Why clear records matter
Money between people is common, but it can become stressful quickly. Bankrate's 2025 survey found that about 70% of U.S. adults have lent money or paid a group expense expecting to be reimbursed, and 55% of them experienced at least one negative consequence.
YouOweMe helps with the part you can control: the balance, the history, the reminder, and the next message.
Source: Bankrate
Family reimbursements are common too. The 2025 Caregiving in the U.S. report says 63 million Americans provide ongoing care, and AARP reports that half of caregivers experience a negative financial impact. Need a practical parent-bill workflow? See the elderly parent expense tracker or the parent expense tracking guide.
Sources: Caregiving in the U.S. and AARP
Helpful specific paths
Specific tools, records, and comparisons
Use these when you need a narrower shortcut than the main situations above.
Set up the record
Simple client payment records For deposits, repeat charges, partial payments, and open client balances. Money-owed record Clarify the person, reason, repayments, and remaining balance before choosing a tool. Group payback guide Use a step-by-step method when one shared cost has paid, partly paid, and unpaid statuses.Compare before choosing
Best way to track IOUs between people Compare notes, chat history, payment apps, spreadsheets, calculators, split apps, and You Owe Me. Shared expense app vs running balance app Choose collaboration when everyone adds expenses; choose a running balance when the amount keeps changing. Splitwise alternative for IOUs and running balances Compare Splitwise-style group splitting with running balances, repayments, Live Links, and follow-ups.FAQ
What is You Owe Me?
You Owe Me is an iPhone app for tracking money between people. It helps with IOUs, shared bills, temporary support, informal loans, repayments, recurring costs, reminders, Live Links, PDF statements, and follow-up messages.
Is YouOweMe only for loans?
No. It can track informal loans, IOUs, shared expenses, temporary support, family reimbursements, roommate bills, partner spending, client balances, recurring costs, and repayments over time.
Can it help me ask someone to pay me back politely?
Yes. Money Conversations can generate a follow-up message from the real balance and history, with a tone that fits the relationship.
Does the other person need the app?
Not always. With Live Link, one person can manage the balance in YouOweMe while the other person opens a browser link to see the latest statement and transaction history.
Can I use it for family reimbursements?
Yes. You can track purchases, bills, subscriptions, recurring charges, and repayments for parents, siblings, children, or other family members. If the main job is paying for an elderly parent, start with the elderly parent expense tracker.
Can I split bills and shared expenses?
Yes. You can split expenses equally or with custom amounts, then keep the result in a running balance instead of recalculating every time.
Does it work offline?
Yes. YouOweMe can be used without mandatory sign-up and supports offline tracking.
Keep money clear before it gets awkward
Track the balance, remember the history, and know what to say next.