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

10+ similar apps compared and reviewed

4.4 avg rating
10 free apps
Updated November 2026
IOU: Split Receipts & Expense
🔧 Utilities
💰 Finance

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

Split expenses: Bill Share#2

Split expenses: Bill Share by Jorge Romanos

Group settle, couple, roomie
Strong Contender
💰 Finance
4.3(3 ratings)
FreeIn-App Purchases
Split expenses: Bill Share screenshot 1
Split expenses: Bill Share screenshot 2
Split expenses: Bill Share screenshot 3
Split expenses: Bill Share screenshot 4
Split expenses: Bill Share screenshot 5
Split expenses: Bill Share screenshot 6

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.

Check Mate – Split bills#3

Check Mate – Split bills by Aizhan Kozhakhmetova

Split restaurant bills easily
Worth Considering
💰 Finance
5.0(3 ratings)
Free
Check Mate – Split bills screenshot 1
Check Mate – Split bills screenshot 2
Check Mate – Split bills screenshot 3
Check Mate – Split bills screenshot 4
Check Mate – Split bills screenshot 5

Effortlessly divide shared expenses with friends and family. Snap a photo of your bill, itemize costs, and clearly see who owes whom. Keep a history of all your shared expenses for easy tracking and transparent financial transactions.

More apps like IOU

4
Expense Split - Track & Settle
Expense Split - Track & Settle
Expense Split - Track & Settle
Bill Splitter for Groups
Free

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.

Split bills in secondsCustomizable and smart splitsIntelligent expense suggestions
💰 Finance
(20)
free with in-app purchases
Compare with IOU
5
SplitBill – Split expenses
SplitBill – Split expenses
SplitBill – Split expenses
Share Costs with Friends
Free

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
💰 Finance
(3)
free
Compare with IOU
6
U-Split
U-Split
U-Split
Bill splitting made easy
Free

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
💰 Finance
(5)
free
Compare with IOU
7
IOU-Money
IOU-Money
IOU-Money
IOU Money pending tracker
Free

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
💰 Finance
(2)
free with in-app purchases
Compare with IOU
8
Evenly - Lend and never forget
Evenly - Lend and never forget
Evenly - Lend and never forget
Track what you loan and borrow
Free

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
💰 Finance
(80)
free
Compare with IOU
9
Who Owes Me - LentPal
Who Owes Me - LentPal
Who Owes Me - LentPal
Track personal debts & IOUs
Free

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
💰 Finance
(6)
freemium
Compare with IOU
10
PayMeLater Friend Debt Tracker
PayMeLater Friend Debt Tracker
PayMeLater Friend Debt Tracker
Track debts and split bills
Free

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
💰 Finance
(75)
free with in-app purchases
Compare with IOU
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