# BorrowRepay: Debt Tracker IOU — Track debts,due alert,ad-free

> Personal ledger for tracking loans, repayments, and balances. (iPhone/iPad app by 伟贤 杨.)

- Source: https://appshunter.io/ios/app/borrowrepay-debt-tracker-iou/id6768232837 (this page in markdown: same URL + `.md`)
- Developer: [伟贤 杨](https://appshunter.io/developer/1896481182)
- Category: Finance, Utilities
- Price: Free with in-app purchases (on sale, was $0.99)
- Age rating: 4+
- Requires: iOS 26.2 · 15 MB
- Languages: American English, Japanese, Korean, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2026-05-13
- Data updated: 2026-11-09
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/borrowrepay-debt-tracker-iou/id6768232837/reviews.md

## What is BorrowRepay?

Awkward asking friends to pay you back? Forgot who owes you after trips or dinner splits?
IOU Ledger is a minimal, private debt and loan tracker built for personal lending, borrowing, and shared expenses.
Zero ads, no account sign-up, no contacts access—synced securely via your private iCloud!

【Professional Management Features】
• Balance & Assets Dashboard: Instant overview of net assets, pending receivables, and outstanding debts.
• Detailed Contact Ledgers: Separate statement for each person—track principal amounts, repayments, and history clearly.
• Complete Loan Lifecycle: Full support for lending, borrowing, collections, and repayments. Easily edit or correct any entry.
• Seamless Multi-Currency: Track international currencies effortlessly for overseas trips and cross-border debts.
• Secure Private iCloud Sync: End-to-end encrypted in your personal iCloud. Seamless multi-device sync, zero risk of data loss.

Clarify every debt and take control of your cash flow!
Tap to purchase and experience effortless debt & loan tracking.

Auto-Renewable Subscription Information:
- Subscription Title: IOU Ledger Pro Yearly (1 Year). Unlocks unlimited contacts, image statement exports, and all Pro features.
- Payment & Renewal: Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period.
- Manage & Cancel: You can manage and cancel your subscriptions by going to your App Store account settings after purchase.
- Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
- Privacy Policy: https://colorful-profit-715.notion.site/privacy-35d07c48ce6e80d98fcfff90bbd896a8

## Key features

- Record money lent, borrowed, received, and repaid
- View receivables, payables, and currency totals
- Track individual contact balances and history
- Edit or delete transactions with automatic recalculation
- Support for multiple currencies
- Data syncs via iCloud

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| BorrowRepay Pro Yearly | $2.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| BorrowRepay Pro Lifetime | $1.99 | one-time |


## Is BorrowRepay safe?

Not enough ratings yet to assess BorrowRepay.

## Is BorrowRepay legit?

BorrowRepay: Debt Tracker IOU appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for BorrowRepay is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/borrowrepay-debt-tracker-iou/id6768232837/reviews.md

### 5/5 — 非常好

*2026-09-04*

界面简洁好用无广告，注重个人隐私

### 5/5 — 还不错

*2026-05-14*

功能刚好满足我，简单无广告

## Frequently asked questions about BorrowRepay

### What is IOU Ledger used for?

IOU Ledger is a personal ledger designed to help you clearly track small loans and repayments. You can record money lent, borrowed, received, and repaid, making it easy to see who owes you and who you owe.

### How much does IOU Ledger cost?

IOU Ledger is a paid application, priced at $0.99. This one-time purchase grants you access to all its features for tracking personal loans and debts.

### Does IOU Ledger have ads?

No, IOU Ledger does not contain advertisements. As a paid application, it offers an ad-free experience for managing your personal financial transactions.

### What devices does IOU Ledger support?

IOU Ledger is compatible with both iPhone and iPad devices. It utilizes iCloud for data storage and synchronization across your Apple devices.

### How is my data secured in IOU Ledger?

Your financial data is stored in your own private iCloud space. This ensures that your transaction history and balances are kept secure and only accessible by you via your Apple ID.

### Can I track different currencies with IOU Ledger?

Yes, IOU Ledger allows you to track multiple currencies separately. This feature is useful if you lend or borrow money in various denominations.

### How often is IOU Ledger updated?

The latest version of IOU Ledger is 1.2, last updated on June 2, 2026. While specific update frequency isn't detailed, the app has received updates since its release on May 13, 2026.

### Does IOU Ledger require an account or access to contacts?

No, IOU Ledger does not require you to create an account. It also does not read your system contacts, ensuring your privacy when tracking personal loans.

## Version history (last 5 releases)

### 2.0.1 — 2026-11-06

- Added Due Dates & Reminders: Set expected repayment dates for lent and borrowed money, and get notified on time.
- Overdue Status Badges: Easily spot pending debts that need attention.

### 1.3 — 2026-09-12

IOU Ledger is officially here! Clean and simple debt tracking:

• Financial Overview: Instant view of net balance, total receivables, and payables.
• Per-Person Ledger: Dedicated statements, repayment progress, and balances.
• Full Lifecycle: Easily record Lent, Borrowed, Received, and Repaid.
• Multi-Currency: Track different global currencies independently.
• Private iCloud Sync: Seamless sync across your devices. No ads, no login required.

### 1.2 — 2026-06-02

Optimize Copy

### 1.1 — 2026-05-18

Optimize user experience

### 1.0 — 2026-05-12

No release notes.

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All apps by 伟贤 杨: https://appshunter.io/developer/1896481182

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-09.*