# Debt Tracker & IOU: Meow Debt — Super cute bill splitter

> Super cute bill splitter (iPhone/iPad app by Manh Nguyen.)

- Source: https://appshunter.io/ios/app/debt-tracker-and-iou-meow-debt/id6818957798 (this page in markdown: same URL + `.md`)
- Developer: [Manh Nguyen](https://appshunter.io/developer/1445497751)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 35 MB
- Languages: American English, Arabic, Dutch, French (France), German (Germany), Hindi, Indonesian, Italian, Japanese, Korean and 9 more
- Released: 2026-10-05
- Data updated: 2026-10-24

## What is Debt Tracker & IOU?

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

BIG IOU? NO MESS (PRO)
• Installments: 2 to 36 payments, weekly, every two weeks or monthly. Paid, short and late ones show at a glance
• Agreed interest: per month or per year, with interest-free days. Meow Debt works out what's due today
• Your own reminder templates: tap to insert the name, amount and due date
• More books: give the house fund or a trip a book of its own

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, or shake your phone to hide the amounts
• 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 when you log a debt and when a coinling comes home, then trade them for hats, glasses, scarves, tops and shoes
• Seasonal items for Lunar New Year, Mid-Autumn, Halloween, Christmas and Valentine's Day
• Fish snack packs are in-app purchases. Outfits never appear on your cards

MEOW DEBT PRO
• Unlimited coinlings (the free book holds 12 open ones)
• The Tease and Blunt voices, cards without the watermark and Pro outfits for the trio
• An Excel report (.xlsx) with charts, ledgers, interest and installments
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.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Meow Debt Pro Yearly | $19.99 | per year |
| Meow Debt Pro Monthly | $2.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 50 fish snacks | $0.49 | one-time |
| Meow Debt Pro Lifetime | $39.99 | one-time |
| 330 fish snacks | $2.49 | one-time |
| 120 fish snacks | $0.99 | one-time |
| 700 fish snacks | $4.99 | one-time |


## Is Debt Tracker & IOU safe?

Not enough ratings yet to assess Debt Tracker & IOU.

## Is Debt Tracker & IOU legit?

Debt Tracker & IOU: Meow Debt appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Debt Tracker & IOU is 70 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.1.0 — 2026-10-19

Meow Debt Pro adds four tools for bigger IOUs:
• Installments: split an IOU into 2 to 36 payments, weekly, every two weeks or monthly. Paid, short and late ones show at a glance
• Agreed interest: enter the rate you both agreed on, per month or per year, with interest-free days if you like. Meow Debt works out what's due today and splits each payment into interest and the original amount
• Your own reminder templates: write one once, then tap to insert the name, amount and due date. Keep up to 10
• More books: give the house fund or a trip its own book. Widgets, reminders and backups still cover every book
The Excel report now has columns for interest and installments.

Plus small fixes that make everything a little smoother.

### 1.0.0 — 2026-10-05

No release notes.

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## More apps by Manh Nguyen

- [Ngũ Linh Thần Toán](https://appshunter.io/ios/app/ngu-linh-than-toan/id6443764475)
- [Lu Ban Ruler - Feng Shui](https://appshunter.io/ios/app/lu-ban-ruler-feng-shui/id6443977526)
- [Luopan: Feng Shui Compass](https://appshunter.io/ios/app/luopan-feng-shui-compass/id6736584559)
- [Lich Van Nien - Lunar Calendar](https://appshunter.io/ios/app/lich-van-nien-lunar-calendar/id6747055124)
- [Fomodo: Focus Timer & Study](https://appshunter.io/ios/app/fomodo-focus-timer-and-study/id6754500841)

All apps by Manh Nguyen: https://appshunter.io/developer/1445497751

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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 2026-10-24.*