# Dibs: Debt & IOU Tracker — Who owes who, made simple

> Simple debt and IOU tracker for personal finance and group expenses. (iPhone/iPad app by Pablo Gamero.)

- Source: https://appshunter.io/ios/app/dibs-debt-and-iou-tracker/id6751948133 (this page in markdown: same URL + `.md`)
- Developer: [Pablo Gamero](https://appshunter.io/developer/1837651851)
- Category: Finance, Utilities
- Price: Free with in-app purchases (on sale, was $0.99)
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 17+
- Requires: iOS 16.0 · 33 MB
- Languages: American English, Arabic, Bangla, Dutch, French (France), German (Germany), Hindi, Indonesian, Italian, Japanese and 13 more
- Released: 2026-01-08
- Data updated: 2026-09-07
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/dibs-debt-and-iou-tracker/id6751948133/reviews.md

## What is Dibs?

"Wait… how much did you owe me again?"

If you keep lending money to friends and forgetting about it — or you're the one who forgets to pay back — Dibs keeps the score so you don't have to.

Add a debt in seconds, see your balance with every person at a glance, and settle up with zero awkwardness.

WHY DIBS

• See it all at a glance — how much you owe, how much you're owed, and the balance with each person.
• Split group expenses — dinner, trips, gifts. Split evenly or set custom amounts, and Dibs works out who owes what.
• Never let a debt slip — set reminders so nothing goes unnoticed, and send a friendly pre-written message when it's time to settle up.
• Add it without touching your phone — "Hey Siri, add a debt in Dibs." Say it as you leave the restaurant and it's logged.
• Watch your money come back — charts show what you've settled each month and how your balance trends over time.
• Celebrate settling up — a little confetti every time a debt is cleared. Small joys.

PRIVATE BY DESIGN

No account. No sign-up. No cloud. Everything stays on your phone — your debts are between you and your friends, not a server.

MADE FOR EVERYDAY USE

• 15 currencies
• 23 languages, right-to-left included
• Light and dark themes
• Fast search across people and debts

DIBS PREMIUM (optional)

Dibs is free for active debts with up to 5 people. Premium removes the limit — one payment, yours forever, no subscriptions. Unlock unlimited people, a Face ID app lock, accent colors and alternate app icons, CSV export and backup, and custom reminders on individual debts.

Stop keeping tabs in your head. Download Dibs and settle up.

## Key features

- Track individual and group debts
- Split expenses evenly or with custom amounts
- Set payment reminders
- Visualize debt trends with charts
- Supports 15+ currencies
- Private, no account required

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Dibs Premium | $1.99 | one-time |



## Frequently asked questions about Dibs

### How does Dibs handle security?

Dibs is designed with privacy in mind, keeping all your debt information on your device. There is no account creation or cloud storage, ensuring your financial data remains private and secure between you and your contacts.

### What currencies does Dibs support?

Dibs supports over 15 different currencies, making it a versatile tool for tracking debts and IOUs regardless of the currency involved in your transactions.

### Can Dibs be used for group expenses?

Yes, Dibs is excellent for splitting group expenses like dinners or trips. You can split costs evenly or set custom amounts for each person, and the app will calculate who owes what.

### Does Dibs have ads?

No, Dibs does not contain advertisements. The app is free to use and offers in-app purchases for additional features or content.

### How often is Dibs updated?

The latest version of Dibs is 1.6.1, and it was last updated on July 25, 2026. This indicates a recent update, suggesting ongoing development and support for the application.

### What devices is Dibs available on?

Dibs is currently supported on iPhone and iPod devices, allowing users on these platforms to manage their debts and IOUs.

### What is the age rating for Dibs?

Dibs has an age rating of 17+, which is typical for finance and productivity applications that handle personal financial information.

### How does Dibs help users settle debts?

Dibs simplifies settling debts by providing clear balances and the option to send friendly, pre-written messages to remind people when it's time to pay up. It also features a celebratory confetti animation when a debt is cleared.

## Version history (last 5 releases)

### 1.7.0 — 2026-08-31

Dibs now speaks your language — 23 of them, from German and Japanese to Arabic, Hindi and Persian, with proper right-to-left layout throughout.
New on iPhone: add a debt hands-free with Siri. Say it on your way out of the restaurant and it's already logged.

### 1.6.1 — 2026-07-25

Dibs now shows you the bigger picture: new charts reveal how much you've settled each month and how your balance has trended over time.
Cleaner, more consistent confirmations across the app, plus a friendly welcome for first-time users.
Smarter forms catch mistakes as you type, and you can now wipe all your data in one tap when you need a fresh start

### 1.3.0 — 2026-02-28

This update brings a complete visual redesign of the app.
- Fully redesigned interface with a cleaner, more modern look
- Improved layout and visual hierarchy for better clarity
- Smoother navigation and overall UX refinements

New feature:
- You can now set custom reminders for individual debts
- Each debt still defaults to your global reminder interval
- You can override it and choose a specific reminder schedule per debt

Under the hood improvements and minor bug fixes to ensure a more stable experience.

### 1.2.1 — 2026-01-25

- Spanish and French language support.
- Improved search for faster access to your debts.
- Smarter reminders that disappear once a debt is settled.
- Fixed greeting update issue.
- New links to feedback, roadmap, and changelog in Settings.
- Solve light theme bug.

### 1.2.0 — 2026-01-21

- Spanish and French language support.
- Improved search for faster access to your debts.
- Smarter reminders that disappear once a debt is settled.
- Fixed greeting update issue
- New links to feedback, roadmap, and changelog in Settings.

## Apps similar to Dibs

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Kompter](https://appshunter.io/ios/app/kompter/id6751024473) | — | Free | Finance |
| [Саshexprs - Debt Control](https://appshunter.io/ios/app/shexprs-debt-control/id6760654458) | — | Free | Finance |
| [Budget Expense Tracker: Tally](https://appshunter.io/ios/app/budget-expense-tracker-tally/id6781394935) | — | Free | Finance |
| [Chatcents](https://appshunter.io/ios/app/chatcents/id6759599556) | — | Free | Finance |
| [Debt Tracker – IOU & Loans](https://appshunter.io/ios/app/debt-tracker-iou-and-loans/id6756559063) | 3.0 (1) | Free | Finance |
| [Utandir - Debt Tracker](https://appshunter.io/ios/app/utandir-debt-tracker/id6759070469) | — | Free | Finance |

## More apps by Pablo Gamero

- [Submoney: Subscription Tracker](https://appshunter.io/ios/app/submoney-subscription-tracker/id6759280196)
- [CareDose: Medication Reminder](https://appshunter.io/ios/app/caredose-medication-reminder/id6761413202)

All apps by Pablo Gamero: https://appshunter.io/developer/1837651851

## Related topics

[iou tracker](https://appshunter.io/ios/topics/iou-tracker)

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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 2026-09-07.*