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Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

IOUs, Bills & Repayment Plans

351 ratings
47 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

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

Features

Developer

IEVGENII IABLONSKYI
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Loan Tracker: You Owe Me screenshot #1 for iPhone
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Loan Tracker: You Owe Me screenshot #10 for iPhone
iphone
ipad
🧾$0.99 - $79.99
In-App Purchase↘︎
📌Ready
Reviews summary↘︎
⭐47
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📝8+ tags
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🔄6+ apps
Alternatives↘︎
🎪1 happening
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❓5 answered
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📦~ in 3 days
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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

Summarized from real user reviews of Loan Tracker. Based on 351 reviews and a 4.6/5 average, it highlights the 15 positives and 15 negatives reviewers mention most about this Finance app.

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  • 🐛UI is outdated and not intuitive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

7.1.2

September 10, 2026

Small refinements for a smoother everyday experience. This update makes money direction clearer when adding an entry and polishes the Settings and upgrade buttons. Thank you for using You Owe Me.

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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

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

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!
Show more
RAZZATAZZTAZZRAZZATAZZTAZZ

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.
Show more
ABTI78ABTI78

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.
T11234T11234

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.
DDB3019DDB3019

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
ABTI78ABTI78

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.

See 42 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

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.