Best IOU alternatives: apps like IOU-Money

10+ similar apps compared and reviewed

4.4 avg rating

10 free apps

Updated November 2026

Nikesh Shakya

Whether you want more options like IOU or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to IOU

#1

Lending - Track money & items by Josip Busak

Borrowing & lending manager.

Editor's Choice

4.5(24 ratings)

Free

Lending - Track money & items screenshot 1

Lending - Track money & items screenshot 2

Lending - Track money & items screenshot 3

Easily manage all your borrowed and lent items and money. Keep a detailed record of transactions, including currency support and returned items.

#2

Evenly - Lend and never forget by Oleksii Nezhyborets

Track what you loan and borrow

Strong Contender

4.9(80 ratings)

Free

Evenly - Lend and never forget screenshot 1

Evenly - Lend and never forget screenshot 2

Evenly - Lend and never forget screenshot 3

Evenly - Lend and never forget screenshot 4

Easily track money lent to and borrowed from friends. This app synchronizes loan history across devices, ensuring no transaction is forgotten. It features automatic reflection of loans for both parties and convenient push notifications.

#3

Debes: Who owes me? Do I owe? by Tomas Chyly

Worth Considering

4.0(1 ratings)

Free

Debes: Who owes me? Do I owe? screenshot 1

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Easily track who owes you money or what you owe others. Organize debts by creating people and assigning items to them. This app works entirely offline for complete privacy and convenience.

More apps like IOU

money mangement made easy!

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Track multiple debts per personUse contacts to add peopleSet notifications

Compare with IOU

Mobile account and remittance

This app offers mobile money accounts and remittance services, making it easy and secure for migrant workers to manage their finances and send money home. It provides a contactless Visa card for shopping and allows for instant peer-to-peer payments.

Mobile money accountsSecure remittancesContactless Visa card

Compare with IOU

PayMeLater Friend Debt Tracker

PayMeLater Friend Debt Tracker

PayMeLater Friend Debt Tracker

Track debts and split bills

Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

Track running tallies of debtsSplit bills by assigning items from receipt photosSign up with phone number

free with in-app purchases

Compare with IOU

IOU: Split Receipts & Expense

IOU: Split Receipts & Expense

IOU: Split Receipts & Expense

Track and settle with friends

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

Receipt scanning and itemizationAssign items to individualsAutomatic tax and tip calculation

Compare with IOU

Stack - Simple Debt Manager

Stack - Simple Debt Manager

Stack - Simple Debt Manager

The fastest debt manager app

Easily track and manage personal finances by categorizing credit and debt across multiple devices. Create separate spaces for different financial situations, share summaries, and use the built-in calculator for complex calculations.

Categorize credit and debtCreate multiple financial spacesShare debt summaries

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Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

IOUs, Bills & Repayment Plans

Easily track who owes what, from casual IOUs to complex loans with flexible repayment plans. Manage individual balances, set reminders, and share clear statements or live links without requiring the recipient to install the app.

Track IOUs and loansFlexible repayment plansSet reminders and follow-ups

free with in-app purchases

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Keepfully – Loan Tracker

Keepfully – Loan Tracker

Keepfully – Loan Tracker

Organize Private Loaned Things

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Track money and objects lent/borrowedOrganize by person with overviewAutomatic loan reminders

Compare with IOU