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Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

IOUs, Bills & Repayment Plans

357 ratings
48 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
September 10, 2016
Updated
November 1, 2026

Features

Developer

IEVGENII IABLONSKYI
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Loan Tracker: You Owe Me screenshot #10 for iPhone
iphone
ipad
🧾$2.99 - $79.99
In-App Purchase↘︎
📌Ready
Reviews summary↘︎
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About

Easily track who owes what, from casual IOUs to complex loans with flexible repayment plans. Manage individual balances, set reminders, and share clear statements or live links without requiring the recipient to install the app.

✓Track IOUs and loans
✓Flexible repayment plans
✓Set reminders and follow-ups
✓Import existing loan history
✓Generate PDF statements
✓Share live links
✓Balance sync
Show original description

What users say about Loan Tracker

Reviews of Loan Tracker are mostly positive: the Finance app is rated 4.5/5 from 357 App Store ratings. What users like most: simple and easy to use, keeps records organized. Top complaints: total owed calculation incorrect, app freezes after data entry. Summarized from real user reviews.

Positive things

  • 👍Simple and easy to use
  • 📈Keeps records organized
  • 💡Developer is receptive to ideas
  • ✨Improvements and adjustments made
  • 💰Ability to add interest
  • 🔄Recurring charge function helpful
  • 👨‍👩‍👧‍👦Great for family loans
  • 🎯Reminders and letters effective
  • 💯Highly recommended by users
  • 🚀Smooth app performance
  • 🤝Responsive and helpful developer
  • ✅Intuitive interface
  • 🧮Tracks loans and debts
  • 📂Flexible editing of entries
  • 🌟Fills a much-needed niche

Negative things

  • 🐛Total owed calculation incorrect
  • 🐛App freezes after data entry
  • 🐛Data loss after updates/reinstalls
  • 🐛Unable to see past entry details
  • 🐛App not working after purchase
  • 🐛UI is outdated and not intuitive
  • 🐛In-app purchase issues
  • 🐛Date selection off-screen
  • 🐛Edits and save buttons not working
  • 🐛Entries swapping categories
  • 🐛Can't add more people after update
  • 🐛Currency not showing
  • 🐛No iPad support
  • 🐛Can't add/subtract as running list
  • 🎨UI is too gray
See all reviews

What's New in Loan Tracker

7.2.7

November 1, 2026

See what’s next with Coming up • Your Timeline now looks ahead. See upcoming payments, recurring entries, reminders, and saved payment expectations together. Tap to explore the full agenda and catch past dates that need attention. • Recurring entries, easier to plan around. Preview when your next entries will be added, so you can see what’s ahead and adjust your schedules with confidence. We’ve also made balance labels clearer and polished Timeline details to keep everything easier to follow.

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16

Subscriptions & In-App Purchases

Monthly Full Version

Unlimited for one month

$3.991 Month
How to cancel Loan Tracker subscription ⁉️

Events

Read more about You Owe Me Turns 10
Event EndedSpecial Event

You Owe Me Turns 10

A decade of money between people, made clear.

Aug 26, 2026 — Sep 6, 2026

Read More

Read more about Timeline: See the Full Story
Event EndedMajor Update

Timeline: See the Full Story

See the full story behind every balance

Jun 5, 2026 — Jun 20, 2026

Read More

Read more about Live Link
Event EndedMajor Update

Live Link

Share once, always up to date

May 15, 2026 — May 30, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

So handy for everyday life !!

Really handy app. It makes keeping track of who owes what so much easier, especially when there are a few different payments involved. Everything is straightforward and easy to understand. Definitely useful if you’re tired of trying to remember it all yourself.
MMiloandHope

GREATEST LOAN APP !!

Five star review for The You Owe Me app. This app has been a tremendous help keeping track of the money that’s borrowed. I used to have a loan business and when I retired I needed something to keep track of my money and this has been the greatest loan application ever. The You Owe Me app has exceeded all of my expectations and the support is super fantastic. If you need to keep track of your money, this is the greatest app out there!
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RRAZZATAZZTAZZ

Response from developer

Thank you so much for your kind words and for using You Owe Me over the years. It means a lot to hear that the app has been helpful to you. I truly appreciate your continued support!

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 able to glance at total reliably is a must and since I can't trust it now y rate it at 3 stars.

Update.
The total owed is in one currency and I have multiple currencies in use, that is what generates the visual discrepancy. I give it 5 stars since it works great. Once you get used to the single currency total it gives you all you need.
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AABTI78

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, 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.
TT11234

Response from developer

Thank you so much for the kind feedback and for continuing to use You Owe Me. I’m glad the improvements have been helpful and made the app easier to use. I really appreciate your support!

Love this app

It really helps me track all my transactions and bills. For both creditors and debtors.
DDDB3019

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.

See 43 more reviews

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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

Does Loan Tracker: You Owe Me have ads?

No, Loan Tracker: You Owe Me does not contain advertisements. The app is free to download and use, with optional in-app purchases for advanced features or subscription plans.

What are the subscription options for Loan Tracker: You Owe Me?

Loan Tracker: You Owe Me offers several subscription plans, including 'Monthly Friends & Family' and 'Monthly Full Version' at $3.99 per month, as well as a 'Yearly unlimited' option for $19.99 per year.

How does Loan Tracker: You Owe Me handle repayment plans?

Loan Tracker: You Owe Me allows you to create custom repayment plans with options for payment amount, payoff date, or number of installments. You can choose payment frequencies and interest terms, and the app recalculates schedules based on actual payments.

Can I import my past loan history into Loan Tracker: You Owe Me?

Yes, you can import a copy of one loan's history from text, a photo, CSV, Excel (.xlsx), or Word (.docx) files. You can then review and correct the details before saving and continuing to track repayments within the app.

How does Loan Tracker: You Owe Me ensure data security?

While specific security measures are not detailed, the app allows for data import and export, and offers features like Balance Sync for users who both use the app. Users can also share statements and live links, which do not require the recipient to install the app.

What devices are supported by Loan Tracker: You Owe Me?

Loan Tracker: You Owe Me is available for iPhone and iPad. The app is rated for ages 4 and up.

How often is Loan Tracker: You Owe Me updated?

The app was last updated on October 31, 2026, with version 7.2.6 released. This indicates a relatively recent update, suggesting ongoing development and maintenance.

What do users like most about Loan Tracker: You Owe Me?

User reviews highlight that the app is simple and easy to use, keeps records organized, and that the developer is receptive to ideas and makes improvements. Users also appreciate the ability to add interest, the recurring charge function, and its effectiveness for family loans.