Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

IOUs, Bills & Repayment Plans

349 ratings
45 reviews
#186 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • September 10, 2016
  • August 27, 2026

Features

Loan Tracker: You Owe Me screenshot #1 for iPhone
Loan Tracker: You Owe Me screenshot #2 for iPhone
Loan Tracker: You Owe Me screenshot #3 for iPhone
Loan Tracker: You Owe Me screenshot #4 for iPhone
Loan Tracker: You Owe Me screenshot #5 for iPhone
Loan Tracker: You Owe Me screenshot #6 for iPhone
Loan Tracker: You Owe Me screenshot #7 for iPhone
Loan Tracker: You Owe Me screenshot #8 for iPhone
Loan Tracker: You Owe Me screenshot #9 for iPhone
Loan Tracker: You Owe Me screenshot #10 for iPhone
iphone
ipad
🖼️Get Icon
Icons↘︎

About

This app helps manage money shared between friends, family, or partners. It tracks loans, splits bills, and facilitates clear communication about debts and repayments with built-in message templates and professional statements.

Track loans and IOUs
Split bills easily
Built-in Money Messages for conversations
Generate professional PDF statements
Voice-to-entry for quick logging
Smart payment reminders
Show original description

What users say

See all reviews
+1

What's New in Loan Tracker

7.0.7

August 27, 2026

You can now add a supporting image directly to your PDF, even if it isn’t attached to an entry. Include a receipt, screenshot, or other image, with an optional caption for extra context. This update also includes bug fixes and stability improvements.

More

Subscription plans

Monthly Full Version

Unlimited for one month

$3.991 Month
How to cancel Loan Tracker subscription ⁉️
14

In-App Purchases

$0.99

Authentication. Debt Tracker

User Authentication

Charts

Top Grossing

📉 186-16

Finance

This app dropped -16 positions in Finance chart.

Last updated on September 1, 2026.

Events

Read more about You Owe Me Turns 10

You Owe Me Turns 10

A decade of money between people, made clear.

Aug 26, 2026 Sep 6, 2026

Read more about Timeline: See the Full Story

Timeline: See the Full Story

See the full story behind every balance

Jun 5, 2026 Jun 20, 2026

Read more about Live Link

Live Link

Share once, always up to date

May 15, 2026 May 30, 2026

User reviews

Great App, Keeps Getting Better!

The app does what it sets out to do. Keeps organized records of IOU’s.
Improvements and adjustments have been made that help the user.

Love this app

It really helps me track all my transactions and bills. For both creditors and debtors.

Response from developer

Thank you, this means a lot. I’m really glad the app is helping you keep transactions and bills clear from both sides. That’s exactly the kind of everyday tracking I want You Owe Me to make easier.

Slight problem

I like the app its simple and lets me track loans, the issue i have is that on tbe owed section the total is wrong, in my case it says 799usd owed but when i see below it the split by the people that owe me one person owes 800 and the other 350, both pending so the total owed is 1150 not 799, so i dont get the total mismatch. For me being sble to glance at totsls reliably is a must amd sinve i can't trust it now y rate it at 3 stars.
Show more

Response from developer

Thanks for the feedback. The total on this screen should match the balances shown, including any currency conversions and repayments already recorded. We'd like to investigate the difference you're seeing. Please contact us at support@you-owe-me.com with a screenshot of the Owed screen and the borrowers involved, and we'll be happy to look into it.

Great app - Great developer

I’ve been in need of a loan tracker for a little while.

I downloaded this app and it’s been great. I initially thought it had a live link that my friends could use to see their live balance owing to me but I was mistaken. I had to send a new pdf updated document or link to a new temporary site that stayed live for 3 days each time they wanted an update.
This wasn’t what I wanted so I contacted the developer and he was super receptive to the idea. He developed it and now we have live links. Literally only took a couple of weeks and he had it all up and running, and designed beautifully too!

I have purchased the lifetime subscription because I can see with the developments from this developer, he is on a roll and has great ideas coming!

Thanks so much!

Is it possible to turn off the idea tips by any chance? There’s quite a lot of tips and nudges and I don’t really need them.

Super appreciative that you listened with the live links request.


Edit: Just as promised. The feature to turn off Progress Tips has been added!

This app is getting better and better with every update in leaps and bounds!
Show more

Response from developer

Thank you so much for this thoughtful review, and for supporting the app with a lifetime purchase. Your live links suggestion genuinely helped shape the app, and feedback like this is exactly what helps me improve it. I also hear you on the idea tips and nudges. In the next version, I’m making them less frequent and adding a new Settings option so you can turn off optional progress tips, recaps, and milestone announcements completely. More improvements are on the way, and I really appreciate you taking the time to share what would make the app better.

A Mothers Love

You Owe Me has been a life saver. My kids can no longer forget what I loan them or what they have paid back. Being able to add interest is a super plus. The reminders and letters gets to the point. I love this app

Response from developer

Thank you so much for your kind review. I’m really happy to hear that You Owe Me helps you keep track of loans, repayments, interest, and reminders with your kids. That is exactly the kind of real-life situation the app was built for. Thank you for using the app and for taking the time to share this.

Developer apps

User experience

🐞

Reported Bugs

17 issues

Total owed calculation mismatch

Bug

App freezes during data entry

Bug

Loss of data after updates or reinstallation

Bug

Inability to view details of past entries

Bug

App not functioning after purchase

Bug

Outdated and unintuitive user interface

Bug

Issues with in-app purchases not activating features

Bug

Date selection is off-screen

Bug

Edits and save buttons are unresponsive

Bug

Entries are incorrectly categorized

Bug

Unable to add new people after an update

Bug

Currency symbols not displaying correctly

Bug

Lack of iPad support

Bug

Inability to maintain a running list with additions and subtractions

Bug

Profile picture issue

Bug

iCloud sync problems leading to data erasure

Bug

Paid version not unlocking features

Bug

Requested Features

8 requests

Live links for friends to see balances

Feature

Option to turn off idea tips

Feature

Schedule recurring charges on longer intervals (e.g., quarterly, annually)

Feature

Switch for night/day mode

Feature

Add field for description or reason for loan

Feature

Ability to backup data

Feature

Redesign UI

Feature

iPad support

Feature

FAQ

What does this app do?

This app helps you manage money shared between people, such as friends, family, or roommates. It allows you to log loans, split bills, track who owes whom, and includes features for clear communication about money matters.

What are the key features of this loan tracker?

Key features include tracking loans and IOUs, splitting bills, built-in 'Money Messages' for communication, generating professional PDF statements, voice-to-entry for logging loans, and smart payment reminders.

Is this app free to use?

The app is free to download and use, with in-app purchases available for additional features or functionalities. Specific pricing for in-app purchases is not detailed in the provided description.

Who is this app designed for?

This app is designed for individuals who need to track money lent or borrowed among friends, family, or roommates. It's also suitable for small businesses and freelancers who want to manage shared expenses, client payments, and repayments professionally.

How does the app help with awkward money conversations?

The app provides 'Money Messages' with pre-written templates for follow-ups, asking for loans, or updating on repayments. You can choose the tone (friendly, polite, or firm) and adjust details, generating clear messages based on your actual financial situation.