# IOU - OweTracker — Who Owes Me - Debt Tracker

> Personal finance app for tracking debts, IOUs, and recurring payments. (iPhone/iPad app by MASON QULIZADA.)

- Source: https://appshunter.io/ios/app/iou-owetracker/id6757933178 (this page in markdown: same URL + `.md`)
- Developer: [MASON QULIZADA](https://appshunter.io/developer/1869718916)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 13 MB
- Languages: American English, Arabic, French (France), German (Germany), Indonesian, Italian, Japanese, Brazilian Portuguese, European Spanish, Thai and 2 more
- Released: 2026-01-29
- Data updated: 2026-08-25
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews.md

## What is IOU?

OweTracker is a simple personal debt tracker for money you lend, borrow, and owe — without spreadsheets or guesswork.

Track rent, shared expenses, personal loans, IOUs, recurring bills, and everyday paybacks in one clear place. See what's owed, what's paid, what's coming next, and when it's time to settle up.

Track personal debts with clarity

Filter between money you owe and money owed to you with a single tap
See totals, payment history, and remaining balances at a glance
Save with confidence — the button tells you exactly what you're saving
Add notes to keep context on every entry

Built for recurring payments

Track recurring charges like rent, phone bills, subscriptions, or ongoing loans
Set charges to repeat weekly, every two weeks, or monthly
Schedule future recurring charges before a balance is due
See upcoming charges before they happen
Stay organized even when payments change over time

Record payments easily

Log partial or full payments in seconds
Watch balances update instantly
Never lose track of who paid what

Settle up clearly

Create simple settle-up cards when it's time to close the loop
Share clean payment summaries for rent, bills, loans, or everyday paybacks
Help everyone see what was owed, what was paid, and what remains

Made for wherever you are

Works in 150+ currencies
Available in 12 languages

Private by design

No ads
No data selling
Your financial tracking stays on your device

Upgrade to Pro

OweTracker includes a free version with basic tracking and settle-up cards.

Upgrade to Pro to unlock:

Unlimited debts
Unlimited recurring charges
Custom quick notes for faster entry

Subscriptions help support continued development and keep OweTracker private and ad-free.

If you've ever said "I'll remember later" — OweTracker is for you.

Privacy Policy: https://sites.google.com/view/owetracker-privacy-policy/home
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Track money lent, borrowed, and owed
- Filter debts owed to you vs. money you owe
- View balances, payment history, and upcoming charges
- Log partial or full payments instantly
- Automatically track recurring bills and subscriptions
- Private and ad-free financial tracking

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| OweTracker Pro – Monthly | $1.99 | per month |
| OweTracker Pro | $17.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| OweTracker Pro – Lifetime | $19.99 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/iou-owetracker/id6757933178/reviews.md

### 5/5 — Tênis

*2026-08-02*

Ótimo

**Developer response:** Que bom que você está gostando! Obrigado pelo apoio 🙌

### 5/5 — Great app!

*2026-03-13*

App works well and recurring feature is very helpful!

## Frequently asked questions about IOU

### What is OweTracker?

OweTracker is a personal finance application designed to help users track money lent, borrowed, and owed. It simplifies managing debts, IOUs, and recurring payments without the need for spreadsheets.

### How does OweTracker handle recurring payments?

OweTracker automatically tracks monthly charges like rent, phone bills, or subscriptions. It shows upcoming charges and stays organized even when payment amounts change over time.

### Is OweTracker private and secure?

Yes, OweTracker is designed for privacy with no ads and no data selling. Your financial tracking stays on your device, ensuring your information remains private.

### What features are available in the Pro version of OweTracker?

The Pro version unlocks unlimited debts, unlimited recurring charges, custom quick notes for faster entry, and branded settle-up cards for sharing payment summaries.

### How do subscriptions work for OweTracker Pro?

Subscriptions renew automatically unless canceled at least 24 hours before the current period ends. Payment is charged to your Apple ID, and you can manage or cancel your subscription in Account Settings.

### What devices is OweTracker available on?

OweTracker is available on iPhone and iPad devices, as indicated by its supported devices list.

### How often is OweTracker updated?

The latest version, 1.0.9, was last updated on May 18, 2026, suggesting a relatively recent update cycle for the application.

### Does OweTracker have ads?

No, OweTracker is ad-free. The description explicitly states 'No ads' and that subscriptions help keep the app private and ad-free.

## Version history (last 5 releases)

### 1.12 — 2026-07-22

• Recurring charges now support weekly and every-two-weeks schedules, in addition to monthly.
• Set up recurring charges to start on a future date, before a balance is due.
• Now available in 12 languages, including French, Italian, Turkish, Arabic, and Japanese.
• Performance improvements and bug fixes.

### 1.11 — 2026-06-11

UI and app improvements.

### 1.1 — 2026-06-03

Added upcoming recurring debts, UI improvements, better debt limit handling, date validation, and localization fixes.

### 1.0.9 — 2026-05-18

Localization updates and general improvements.

### 1.0.8 — 2026-05-07

- Added Spanish language support.
- UI and app function improvements.

## Apps similar to IOU

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Ledger Book: Debt Tracker](https://appshunter.io/ios/app/ledger-book-debt-tracker/id6758147291) | 5.0 (4) | Free | Finance |
| [My Debt Manager & Tracker](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466) | 5.0 (5) | Free | Finance |
| [Who Owes Me: Debt Tracker](https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054) | — | Free | Finance |
| [Who Owes Me - OweList](https://appshunter.io/ios/app/who-owes-me-owelist/id6759501055) | 2.7 (3) | Free | Finance |
| [Devedores e Dívidas](https://appshunter.io/ios/app/devedores-e-dividas/id6757499593) | — | Free | Finance |
| [Who Owes Me - LentPal](https://appshunter.io/ios/app/who-owes-me-lentpal/id6443519628) | 3.7 (6) | Free | Finance |

## More apps by MASON QULIZADA

- [Fermentation Tracker: Fermenty](https://appshunter.io/ios/app/fermentation-tracker-fermenty/id6759230036)
- [SubScan: Subscription Tracker](https://appshunter.io/ios/app/subscan-subscription-tracker/id6759879166)

All apps by MASON QULIZADA: https://appshunter.io/developer/1869718916

## Related topics

[iou friend](https://appshunter.io/ios/topics/iou-friend) · [owe](https://appshunter.io/ios/topics/owe) · [iou](https://appshunter.io/ios/topics/iou)

---

*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 2026-08-25.*