Best IOU alternatives: apps like IOU - OweTracker

10+ similar apps compared and reviewed

4.1 avg rating
10 free apps
Updated October 2026

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

Who Owes Me: Debt Tracker#1

Who Owes Me: Debt Tracker by Artcode LTDA

Lend, borrow and settle up
Editor's Choice
💰 Finance
5.0(1 ratings)
FreeAdsIn-App Purchases
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Easily track loans and manage outstanding debts from previous months. This finance app helps you stay organized and ensures you get paid back. It offers bug fixes for improved speed and stability.

Who Owes Me - OweList#2

Who Owes Me - OweList by Akyno Apps

Track Who Owes You
Strong Contender
💰 Finance
3.3(4 ratings)
FreeAdsIn-App Purchases
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Easily track money owed, borrowed, and personal debts in one organized place. Record debts, monitor repayments, and view balances for everyday situations like splitting bills or informal loans. Keep a clear log of all transactions without complex financial tools.

Who Owes Me - LentPal#3

Who Owes Me - LentPal by Alessandro Pace

Track personal debts & IOUs
Worth Considering
💰 Finance
3.7(6 ratings)
FreeIn-App Purchases
Who Owes Me - LentPal screenshot 1
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Easily track personal loans and casual debts with friends, family, or coworkers. Log every loan or IOU in seconds, get clear summaries of all balances, and receive reminders for payments. Avoid awkward money conversations and keep all your casual debts organized in one simple place.

More apps like IOU

4
DebtMe: IOU & Debt Tracker
DebtMe: IOU & Debt Tracker
DebtMe: IOU & Debt Tracker
Lend, Borrow, Loan & Interest
Free

This app helps you track money lent and borrowed between individuals. Log loans, record repayments, and calculate interest automatically. It offers reminders and customizable messages to help you manage your debts privately and securely on your device.

Track lent and borrowed moneyLog partial repaymentsAutomatic interest calculation
💰 Finance
(0)
freemium
5
Devedores e Dívidas
Devedores e Dívidas
Devedores e Dívidas
Gerencie quem te deve.
Free

Organize suas cobranças e pagamentos com uma interface visual e intuitiva que se conecta diretamente ao seu Google Sheets. Mantenha controle total de quem te deve e de suas próprias contas a pagar, gerando recibos e relatórios gráficos.

Control of debtorsDebt managementReceipt generation
💰 Finance
(0)
free with in-app purchases
6
Debtyy – Debt Tracker & IOU
Debtyy – Debt Tracker & IOU
Debtyy – Debt Tracker & IOU
Who owes me? Loans to friends
Free

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Track interpersonal debtsRecord partial paymentsSet custom reminders
💰 Finance
(1)
freemium
7
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Track IOUs, Loans & Bills
Free
💰 Finance
(0)
8
FiadoApp
FiadoApp
FiadoApp
Caderneta de fiado e cobrança
Free

Manage your credit sales easily and professionally. This app helps small businesses track payments, register customers with photos, and send automatic WhatsApp payment reminders. It offers integrated Pix payments and offline functionality.

Customer registration with photoCredit sale registration with due datesAutomatic WhatsApp payment reminders
💰 Finance
(0)
freemium
9
Ledger Book: Debt Tracker
Ledger Book: Debt Tracker
Ledger Book: Debt Tracker
Manage client accounts & IOUs
Free

This app is a digital ledger for managing client accounts, debts, and payments. It offers features like PDF statement generation, offline data storage for privacy, and secure backups. It aims to be a fast and accurate financial assistant for businesses and individuals.

Client and debt managementGenerate PDF statementsOffline-first privacy
💰 Finance
(8)
free with in-app purchases
10
OweMate - Who Owes Me Tracker
OweMate - Who Owes Me Tracker
OweMate - Who Owes Me Tracker
Track money lent & borrowed
Free

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

Track IOUs and shared expensesAI-powered payment remindersSupport for 70+ currencies
💰 Finance
(2)
free with in-app purchases