Tools & Templates

Money Tools for Shared Expenses, IOUs, and Repayments

Choose the right calculator, template, or message helper for the money situation in front of you. Use one tool for a single bill, or move to You Owe Me when balances, repayments, reminders, and conversations need to stay clear over time.

Start with splitting a bill, calculating a running balance, calculating what remains after partial repayments, planning repayments, writing a temporary support record, or generating a calmer payback message.

If the situation is support from someone close, clarify whether it is a gift, repayment, or flexible help before you write down the details. Not sure which path fits? Use the situation finder or compare your options first.

Split a bill Calculate a running balance Calculate partial repayments Create a support record Write a reminder Find my situation

Choose your starting point

Choose the tool for the job

Start with what you need to do right now: calculate, write, confirm, record, or plan.

Calculate Calculate a bill, balance, or partial repayment Use this when you need the number before the message. Write Create a repayment message Use this when the amount is clear but the wording is awkward. Confirm Confirm a repayment Use this when money was already sent and you need a clean record. Record Create a support or family record Use this when money help or reimbursements may continue over time.

Free tools available now

Amount calculator

Split Expense Calculator

Use this when you need to divide one bill, add who paid, and see who owes whom.

Open split calculator
New

Running Balance Calculator

Add expenses and repayments over time to see the current balance between two people.

Best for ongoing shared expenses, partial repayments, and old balances that keep changing.

Not sure what a running balance means? Read the plain-English guide before using the calculator.

Open calculator
Repayment planning

Payment Plan Calculator

Calculate weekly, biweekly, or monthly repayment steps for money owed between people.

Best when someone cannot repay everything at once and both people need a clear plan.

Need wording for the message? Read the repayment update guide.

Create a repayment plan
Partial repayment

Partial Repayment Calculator

Subtract one or more partial repayments from one known amount and see what is still open.

Best when someone has already paid part of what they owe and you need the remaining balance before sending an update, receipt, or repayment plan.

Calculate what remains
Temporary support record

Temporary Financial Support Record Template

Create a simple written record for help between people: what was covered, what should happen next, when to check in, and what to do if timing changes.

Best after support has been agreed and before repayments, reminders, or updates start.

If you are still deciding whether or how to help someone, read the helper-side guide first so gift, repayment, and check-in expectations are clear before the record is created.

Create a support record
Roommate bill calculator

Roommate Bill Split Calculator

Split rent, utilities, groceries, household supplies, repayments, and previous balances into one monthly roommate settle-up.

Best when several household costs happened this month and you need to know who owes whom.

Need to decide what should be split equally first? Read the guide to splitting rent, utilities, and groceries with roommates.

Need a tracking method before calculating? Read the roommate money tracking guide.

Open roommate calculator
Custom message generator

Polite Payback Reminder Generator

Choose the relationship, tone, situation, amount, and context to generate a repayment reminder that fits the moment.

Best when you know the balance but do not know exactly what to say.

If someone already sent part of the money, read the partial repayment follow-up guide before generating the final message.

Generate a custom reminder
Ready-made message library

Repayment Reminder Text Examples

Browse copyable friendly, polite, firm, family, roommate, partner, partial-repayment, and repayment-update messages.

Best when you want to quickly copy a proven template and adjust it yourself.

Need borrower-side wording first? Read Ask family for temporary financial help.

Browse message examples
Payment confirmation

Repayment Receipt Generator

Create a simple confirmation for money paid back — what was received, what it covered, and whether anything is still open.

Best when someone already sent money and you want a clear written record without making the conversation feel formal.

Create a receipt
Family reimbursement template

Family Reimbursement Tracker Template

Download an Excel, CSV, or printable PDF template for tracking money paid for parents, siblings, relatives, recurring family bills, purchases, repayments, and remaining balances.

Best when you pay for family costs over time and need a simple record before switching to an app.

Related guide: parent-specific reimbursement guide.

Download family template

Which repayment message tool should I use?

Use the generator when...

  • you want the message written around your situation
  • the relationship matters
  • you want to choose the tone
  • you have an amount, context, or timing to include
  • the situation involves partial repayment, silence, family, roommates, or a partner
Generate a custom reminder

Use the examples when...

  • you want to browse many message styles
  • you prefer to copy a template manually
  • you want several wording options in one place
  • you are comparing friendly, polite, firm, family, roommate, or partner-safe scripts
  • you want inspiration before writing your own message
Browse ready-made examples

Use the partial repayment calculator when...

  • one original amount is being repaid in parts
  • someone already sent one or more partial payments
  • you need to know what is still open
  • you want a clear number before sending a receipt, reminder, or repayment update
Calculate the remaining balance

Use the payment plan calculator when...

  • money is owed but cannot be repaid all at once
  • you need to suggest a weekly, biweekly, or monthly plan
  • you want to know the estimated final payment date
  • you need a copyable repayment-plan message before sending a reminder or update
Create a repayment plan

Use the receipt generator when...

  • someone already paid
  • you want to confirm the amount received
  • you need to say what the payment covered
  • the balance is now settled, partly paid, or overpaid
  • you want a copyable record note
Create a repayment receipt

If you are not sure what to send yet, start with the guide on how to remind someone they owe you money politely, then use the generator or examples once the balance is clear. If the situation is specifically that someone already sent part of the money, read how to follow up after a partial repayment before generating the final message. If the balance is already overdue, ignored, or emotionally heavier than a normal reminder, read the confrontation guide before choosing a firmer message.

When a quick tool is enough — and when an app helps

A tool is enough when…

  • you need to split one bill
  • everyone will settle up immediately
  • there are only a few people involved
  • you do not need a long-term record
  • the situation is simple and finished
  • you only need to plan one simple repayment schedule
  • you only need to calculate the remaining balance after one known amount was partly repaid
  • you only need to confirm one repayment that already happened

You Owe Me helps when…

  • expenses keep happening over time
  • someone makes a partial repayment later
  • recurring costs need to be tracked
  • you need a clear history with one person
  • temporary support, covered bills, or repayments continue over time
  • follow-ups feel awkward
  • you want to share a statement or repayment update
  • you need receipts, repayments, reminders, and history connected to the same person over time
  • partial repayments continue and you need the remaining balance, reminders, receipts, and history connected to the same person
  • a repayment plan changes, partial payments happen, or new support is added later
Decision guide

Compare money-tracking methods

Choose between a calculator, spreadsheet, template, or app when money between people starts to get unclear.

Open Compare hub

A calculator can solve one shared expense. You Owe Me helps when money between people becomes an ongoing balance, with history, reminders, and communication that stays clear.

For roommates, the Roommate Bill Split Calculator is useful when you need one monthly settle-up across rent, utilities, groceries, repayments, or a previous balance.

For repeated client payments or balances that stay open, use the Simple Client Payment Records solution instead of treating each receipt as a separate note.

See how You Owe Me works

Need more than a one-time tool?

If you are tracking shared money regularly, these solution pages explain how You Owe Me helps in common real-life situations.

Shared Expense Tracker

Track shared costs, repayments, and running balances without recalculating everything from scratch.

Open shared expense solution

App to Track Money Owed

Keep a clear record of what people owe, what you owe, and what has already been repaid.

Need the remaining amount first? Use the Partial Repayment Calculator before creating a receipt, reminder, or repayment plan.

Open money-owed solution

Simple Client Payment Records

Track deposits, partial payments, repeat service charges, and simple client balances without turning the record into a full accounting system.

Open client payment records

Expense Tracker for Couples

Handle groceries, rent, trips, subscriptions, and uneven spending with less tension.

Open couples solution

Family Reimbursement Tracker

Track parent-related bills, sibling reimbursements, recurring family charges, and purchases made on someone else’s behalf.

Open family reimbursement solution

Keep shared money clear over time

Use the tools for quick answers. Use You Owe Me when you need a lasting record of shared expenses, repayments, reminders, and money conversations.

Want proof from real users first? Read App Store reviews.

Download You Owe Me on the App Store Download You Owe Me on the App Store Explore solutions

Prefer guides instead?

Read practical guides about shared expenses, repayment reminders, and money conversations.

Read money guides

Updated