# IOU-Money — IOU Money pending tracker

> Personal finance manager for tracking expenses, debts, and budgets. (iPhone/iPad app by Nikesh Shakya.)

- Source: https://appshunter.io/ios/app/iou-money/id1557082693 (this page in markdown: same URL + `.md`)
- Developer: [Nikesh Shakya](https://appshunter.io/developer/1706815426)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 2.50/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 32 MB
- Languages: American English
- Released: 2021-03-07
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/iou-money/id1557082693/reviews.md

## What is IOU?

IOU Money - Budget App | Expense Tracker & Finance Manager

Manage your finances effortlessly with IOU Money, the ultimate budgeting app designed to help you track, manage, and optimize your spending. Whether you're organizing your expenses, managing your debts, or planning your budget, IOU Money makes it simple to stay on top of your financial goals in real-time.

With IOU Money, you can:

Track spending easily and get automatic reports for full expense management.
Keep a detailed record of your income and expenses for better financial control.
Monitor your debts and credits with a smart debt tracker.
View beautiful graphs and detailed financial reports that help you optimize your budget.
Get notifications for any updates to your transactions and manage your loans (borrowed or lent) seamlessly.
Key Features:

Comprehensive Expense Tracking: Record and review your daily, monthly, and yearly spending.
Debt and Credit Management: Keep track of loans and repayments easily.
Multiple Currency Support: Manage your finances in various currencies like USD, NPR, EUR, JPY, GBP, and more.
Income & Expense Reports: See where your money goes with detailed financial breakdowns.
Automatic Report Generation: Get detailed, easy-to-understand reports without lifting a finger.
Customizable Manual Updates: Import transactions from your bank or spreadsheet for seamless expense tracking.
Available Currencies: USD, NPR, AUD, EUR, JPY, GBP, INR, KRW — More currencies will be added in future updates.

Why Choose IOU Money?

Take control of your finances with intuitive expense management tools.
Track loans between friends and family with ease using our loan tracker.
Get personalized budgeting insights to optimize spending and save money.
Use a safe wallet to manage your money and keep track of all your transactions in one place.
Perfect for:

Personal finance management.
Expense tracking and budget planning.
Organizing loans and debts with friends or family.
Saving money and improving your financial health.

By downloading and using IOU Money, you agree to the Apple Standard End User License Agreement and our Privacy Policy.

Access Terms of Use and Privacy Policy

Terms of Use and Privacy Policy are available directly within the app, accessible via the Settings page and Paywall screen. By downloading and using IOU Money, you agree to the Apple Standard End User License Agreement and our Privacy Policy.

Apple Standard End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Comprehensive expense tracking
- Debt and credit management
- Multiple currency support
- Income and expense reports
- Automatic report generation
- Customizable manual updates
- Loan tracking between friends/family

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Yearly | $17.99 | per year |
| Monthly | $1.99 | per month |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/iou-money/id1557082693/reviews.md

### 1/5 — Garbage

*2026-08-15*

Makes you create an account before you can even use the app for it to then tell you a subscription is needed for the app to be usable. I had a FLAWLESS IOU app on Android, now I have to sift through these garbage paid apps with half the features on iOS. Unhappy customer of 3 seconds.

## Frequently asked questions about IOU

### What is IOU-Money?

IOU-Money is a personal finance app designed for tracking expenses, managing budgets, and monitoring debts and credits. It offers features like automatic report generation and multi-currency support to help users optimize their spending and financial health.

### Is IOU-Money free to use?

Yes, IOU-Money is free to download and use. It also offers optional in-app purchases for enhanced features and subscription plans for advanced budgeting tools.

### What currencies does IOU-Money support?

IOU-Money supports multiple currencies including USD, NPR, AUD, EUR, JPY, GBP, and INR. More currencies are planned for future updates.

### Can I track loans with friends and family using IOU-Money?

Yes, IOU-Money includes a smart debt tracker that allows you to easily monitor loans you've borrowed or lent to friends and family, ensuring clear financial records.

### How does IOU-Money help with budgeting?

IOU-Money provides detailed financial reports and beautiful graphs to help you understand your spending patterns. This allows for personalized budgeting insights to optimize spending and save money.

### Does IOU-Money have ads?

Yes, IOU-Money contains advertisements to support its free service. Users can opt for subscription plans to access an ad-free experience and additional features.

### What devices is IOU-Money available on?

IOU-Money is available for iPhone and iPod devices. The app is rated for ages 4 and up.

### How often is IOU-Money updated?

The latest version of IOU-Money is 1.4.4, and it was last updated on June 18, 2026. Updates typically include new features and improvements based on user feedback and evolving financial management needs.

## Version history (last 5 releases)

### 2.1.0 — 2026-08-20

- Minor UI Updates

### 2.0.1 — 2026-08-11

- Minor bug fixes

### 2.0.0 — 2026-08-09

- Minor updates

### 1.4.4 — 2026-06-18

Thank you for supporting us!

This update includes
- Minor UI updates

We will be uploading major revamp soon. 

Stay tuned!!!

### 1.4.3 — 2025-06-11

- minor UI updates

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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 2026-08-26.*