Best IOU alternatives: apps like IOU: Split Receipts & Expense

10+ similar apps compared and reviewed

4.4 avg rating

10 free apps

Updated October 2026

IOU: Split Receipts & Expense

Eric Agredo

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

SplitTab - Share & Split Bills by Benevolent Tech Company LLC

Split the bill when dining

Editor's Choice

5.0(13 ratings)

FreeIn-App Purchases

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Effortlessly divide restaurant bills among friends. Snap a photo of the receipt, input payment app details, and share a link for others to settle their share. Payments are pre-filled for easy completion.

#2

Split expenses: Bill Share by Jorge Romanos

Group settle, couple, roomie

Strong Contender

4.3(3 ratings)

FreeIn-App Purchases

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Easily track and share expenses with others, whether for trips or shared living. The app helps you organize who owes what and provides simplified settlement options. It also supports recurring bills and offline use.

#3

Expense Split - Track & Settle by S Ravi Shankar

Bill Splitter for Groups

Worth Considering

4.7(20 ratings)

FreeIn-App Purchases

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Easily split shared expenses with friends, roommates, or travel companions. This tool automates calculations, handles custom splits, and provides clear balance breakdowns to simplify debt settlement without awkward conversations.

More apps like IOU

SplitBill – Split expenses

SplitBill – Split expenses

SplitBill – Split expenses

Share Costs with Friends

Easily split bills by snapping a photo of your receipt. Mark numbers, assign them to custom categories or people, and track expenses accurately. Correct errors and see totals at a glance.

Scan receipts to split expensesMark and sum numbers from imagesCreate custom expense cards

Compare with IOU

Bill splitting made easy

Easily divide expenses with friends and family. Enter the total cost, add participants, and let the app handle the calculations. Avoid awkward money conversations and enjoy stress-free bill splitting for any occasion.

Effortless bill splittingAdd unlimited friendsFast and easy calculations

Compare with IOU

IOU Money pending tracker

Effortlessly manage your finances with this comprehensive budgeting and expense tracking app. Monitor spending, track debts and credits, and gain insights into your financial health with detailed reports and customizable features.

Comprehensive expense trackingDebt and credit managementMultiple currency support

free with in-app purchases

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

Who Owes Me - LentPal

Who Owes Me - LentPal

Who Owes Me - LentPal

Track personal debts & IOUs

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.

Track loans instantlySmart balance overviewPayment reminders

Compare with IOU

Evenly - Lend and never forget

Evenly - Lend and never forget

Evenly - Lend and never forget

Track what you loan and borrow

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.

Track loans and borrowingsSync history with friendsLend to contacts

Compare with IOU

splyt: tab & bill splitter

splyt: tab & bill splitter

splyt: tab & bill splitter

Split expense with anyone

Easily split restaurant bills and get reimbursed quickly. Snap a photo of your receipt, let friends select their items, and get paid back instantly via Venmo or Cash App with auto-calculated tax and tips.

Split restaurant billsScan receiptsItem selection for friends

free with in-app purchases

Compare with IOU