# Loan Tracker: You Owe Me — IOUs, Bills & Repayment Plans > App to track shared expenses, loans, and debts with clear communication tools. (iPhone/iPad app by IEVGENII IABLONSKYI.) - Source: https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670 (this page in markdown: same URL + `.md`) - Developer: [IEVGENII IABLONSKYI](https://appshunter.io/developer/1019372939) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.60/5 from 349 App Store ratings · 45 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 67 MB - Languages: American English, Arabic, French (France), German (Germany), Italian, Japanese, Korean, Polish, European Portuguese, European Spanish - Released: 2016-09-10 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670/reviews.md ## What is Loan Tracker? Track who owes what, keep every loan separate, and build repayment plans that stay current as real payments happen. YouOweMe is a loan, IOU, debt, and shared-expense tracker for friends, family, couples, roommates, freelancers, and small businesses. Record what you lent, borrowed, paid, or received. Every entry updates a clear running balance and history for each person, so you never have to piece the details together from chats, notes, or memory. LOANS & FLEXIBLE REPAYMENT PLANS Give each important loan its own name, remaining balance, payment history, interest terms, due date, and status—while it still contributes to your total balance with that person. Start with a new loan or bring in one already underway using its current balance. Add an optional repayment plan when a loan will be paid back over time: • Compare lower-payment, balanced, and faster-payoff options • Build around a payment amount, payoff date, or number of installments • Choose weekly, every two weeks, or monthly payments • Choose no additional interest, a fixed total interest amount, or annual interest on the remaining principal • See the full schedule, next payment, projected payoff, and whether the plan is on track, ahead, or overdue This is more than a loan calculator. The plan stays connected to the real loan record. Log a partial, full, early, or extra payment, and YouOweMe updates what remains, the schedule, the projected payoff, and the next reminder. If more money is added to the loan later or an entry is corrected, the plan recalculates without erasing the history. CLEAR RECORDS & EASY SHARING Create clean PDF statements from your real records. Share a focused loan summary with the remaining balance, payments, interest, due date, and optional repayment-plan details. Add your logo or payment information when you need a more professional document. Share an always-current Live Link that opens in a browser—no app install required for the viewer. When both people use YouOweMe, Balance Sync can keep supported balance entries aligned across both phones. REMINDERS THAT KEEP UP Set reminders for due dates, bills, balances, follow-ups, or a specific repayment plan. A plan reminder follows the next unpaid installment and updates after partial, full, or extra payments. Record a payment directly from the reminder and keep the ledger current. BUILT FOR MONEY THAT CHANGES OVER TIME • One running balance per person, with partial repayments and settlement history • Recurring entries for rent, utilities, subscriptions, and regular costs • Equal or custom splits and Group Paybacks • Relationship Timeline and Balance Replay • Multi-currency tracking, Voice-to-Entry, and CSV export • Spaces for personal, family, and work records • Face ID / Touch ID lock • Optional cloud sync across your devices • Works offline, with no mandatory sign-up to get started HELP WITH THE CONVERSATION Need to send a follow-up, ask for a loan, or give a repayment update? Money Conversations can draft a clear, respectful message from your real balance and history. Smart Money Check-Ins help you notice when action may be useful. Helping people keep shared money clear since 2016. Keep the record. Plan the repayment. Always know what comes next. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - 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 ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Full Version | $3.99 | per month | | Yearly unlimited | $19.99 | per year | | Monthly Friends & Family | $3.99 | per month | | Monthly Friends & Family | $3.99 | per month | | Yearly unlimited | $24.99 | per year | | Monthly Friends & Family | $3.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Authentication. Debt Tracker | $0.99 | one-time | | Sharing Options. Debt tracker | $1.99 | one-time | | Debt Tracker.Recurring Entries | $0.99 | one-time | | Unlimited Lifetime | $6.99 | one-time | | Unlimited Lifetime Discounted | $4.99 | one-time | | Cloud Accounts Standard | $4.99 | one-time | | Unlimited Plan | $14.99 | one-time | | Unlimited Forever | $79.99 | one-time | | Unlimited Forever (Sale) | $59.99 | one-time | | Cloud Accounts Light | $2.99 | one-time | | Debt, Loan Tracker Unlimited | $3.99 | one-time | | Friends & Family Plan | $6.99 | one-time | | Family Plan | $2.99 | one-time | | Unlimited Discount | $9.99 | one-time | | Friends & Family Upgrade | $2.99 | one-time | | Friends & Family Discount | $4.99 | one-time | | Business Upgrade | $7.99 | one-time | | Business Upgrade | $4.99 | one-time | | Unlimited Upgrade | $6.99 | one-time | ## What do users think of Loan Tracker? Overall sentiment: positive **Pros** - 👍 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 **Cons** - 🐛 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 **Commonly reported bugs** - Total owed calculation mismatch - App freezes during data entry - Loss of data after updates or reinstallation - Inability to view details of past entries - App not functioning after purchase - Outdated and unintuitive user interface - Issues with in-app purchases not activating features - Date selection is off-screen - Edits and save buttons are unresponsive - Entries are incorrectly categorized - Unable to add new people after an update - Currency symbols not displaying correctly - Lack of iPad support - Inability to maintain a running list with additions and subtractions - Profile picture issue - iCloud sync problems leading to data erasure - Paid version not unlocking features **Most requested features** - Live links for friends to see balances - Option to turn off idea tips - Schedule recurring charges on longer intervals (e.g., quarterly, annually) - Switch for night/day mode - Add field for description or reason for loan - Ability to backup data - Redesign UI - iPad support ## Recent user reviews (10 of 45) All indexed reviews: https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670/reviews.md ### 5/5 — Great App, Keeps Getting Better! *2026-07-23* 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. ### 5/5 — Love this app *2026-06-19* It really helps me track all my transactions and bills. For both creditors and debtors. **Developer response:** 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. ### 3/5 — Slight problem *2026-06-05* 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. **Developer response:** 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. ### 5/5 — Great app - Great developer *2026-05-18* 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! **Developer response:** 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. ### 5/5 — A Mothers Love *2026-05-13* 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 **Developer response:** 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. ### 5/5 — Updated still same issue *2026-05-05* I don’t think this app is not useful anymore. Updated still unable to see the details of my past entries. It just hangs and cannot click or edit anything. Trying to see a different app to move there. This is loss of all the historical data and is very frustrating. Can’t the developers do basic testing when the app is released? Update: The latest version fixed it- got all my data back. Suggest to test the future fixes better before releases. **Developer response:** Thank you very much for updating your review. We’re really sorry again for the frustration this caused, and we’re glad the latest version restored access to your past entries and fixed the issue. This was not the experience we want anyone to have, and we’ve strengthened our testing around this area for future releases. Thank you for your patience and for giving the app another chance. ### 5/5 — Handy app *2026-05-03* Using for years. Great improvements over last year! **Developer response:** Thank you for the kind feedback! I’m glad you find the app intuitive and to the point. I’ve continued improving it with new features and refinements since then — really appreciate you using it. ### 5/5 — Great App *2026-04-26* This is a very useful App and I have been using this to track payments for many years already. Very simple to use and straight forward . Unfortunately after the last update , the App freezes every time i make a data entry . I am sure this is just a temporary bug or maybe the update is still in progress. I am sure that the developer will be able to fix this. **Developer response:** Thank you very much for your kind words and for using the app for so many years. I’m sorry about the issue after the latest update — fixing this is a priority. Could you please contact me through the Support button in the app’s Settings screen with a few details about what happens when you add an entry? That will help me investigate and fix it as soon as possible. ### 5/5 — Great App *2026-03-13* This app is so useful for me to keep my data safe and right by my side. I hated having to go get my notebook every time a transaction was made. It’s so nice having all the details of each transaction too. This app makes life a little easier for me. Thank you for coming up with something so useful. **Developer response:** Thank you so much for your kind review. I’m really happy to hear that You Owe Me makes it easier to keep your transaction details safe, organized, and always with you. That is exactly why the app was created — to replace the notebook with a clearer and more convenient way to track everything. Thank you for using the app and for taking the time to share this. ### 1/5 — Worked great till upgrade *2026-02-27* I was very happy with this app until I upgraded. At first I couldn’t get the app to open, so I deleted it and reinstalled it, and now one of my loans is gone. I tried to send an email directly from the software but the app won’t let me. I’ll be happy to change my rating if you can help me figure out how to recover the missing data. **Developer response:** I’m very sorry for the experience you had after updating. Since this review, we’ve released fixes and improvements for the upgrade-related issues, and the app should now open and run normally in the latest version. Your data is important, and we take these situations seriously. If you still need help recovering or checking anything, please contact us through Settings → Support or by email, and we’ll personally help investigate. Thank you for your patience, and sorry again for the trouble. ## Frequently asked questions about Loan Tracker ### 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. ## Version history (last 5 releases) ### 7.0.7 — 2026-08-27 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. ### 7.0.6 — 2026-08-22 You can now attach supporting photos to entries—perfect for receipts, invoices, and other helpful records. Photos can also be included in PDF statements when needed. This update also includes bug fixes and performance improvements. You Owe Me will soon celebrate its 10th anniversary! Thank you for being part of the journey and for trusting us to keep your shared expenses and paybacks clear. ### 7.0.5 — 2026-08-19 You can now move people between Spaces while keeping their recurring items, linked reminders, and Group Payback connections together. You Owe Me will soon celebrate 10 years! Thank you for being part of the journey and for trusting us to keep your shared expenses and paybacks clear. ### 7.0.4 — 2026-08-15 YouOweMe now supports 10 languages! This update adds Italian, Korean, and Polish, making it easier for more people to track balances, loans, and repayment plans in the language they prefer. ### 7.0.3 — 2026-08-10 Meet Spaces — a clearer way to organize your money. Keep personal, family, and work finances separate. Each Space has its own people, loans, entries, repayment plans, and total—with secure cloud backup and sync across your devices. ## Apps similar to Loan Tracker | App | Rating | Price | Category | | --- | --- | --- | --- | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance | | [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,321) | Free | Finance | | [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,403) | Free | Finance | | [Rocket Money - Bills & Budgets](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675) | 4.5 (383,770) | Free | Finance | ## More apps by IEVGENII IABLONSKYI - [WordBook - Save and Learn Words with Your Own Dictionary](https://appshunter.io/ios/app/wordbook-save-and-learn-words-with-your-own-dictionary/id1019372940) - [Funny Voices - Make and Record Audio to Playback with Funny Effects Instantly](https://appshunter.io/ios/app/funny-voices-make-and-record-audio-to-playback-with-funny-effects-instantly/id1021211618) - [Process - Log hours worked](https://appshunter.io/ios/app/process-log-hours-worked/id1364322942) All apps by IEVGENII IABLONSKYI: https://appshunter.io/developer/1019372939 ## Related topics [you owe you](https://appshunter.io/ios/topics/you-owe-you) · [loan tracker](https://appshunter.io/ios/topics/loan-tracker) · [oweme](https://appshunter.io/ios/topics/oweme) · [ious](https://appshunter.io/ios/topics/ious) · [loan payment tracker](https://appshunter.io/ios/topics/loan-payment-tracker) · [paymelater friend debt tracker](https://appshunter.io/ios/topics/paymelater-friend-debt-tracker) · [owe you](https://appshunter.io/ios/topics/owe-you) · [money owed](https://appshunter.io/ios/topics/money-owed) · [owe](https://appshunter.io/ios/topics/owe) · [who owes me](https://appshunter.io/ios/topics/who-owes-me) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*