Loan Tracker: You Owe Me

Loan Tracker: You Owe Me

IOUs, Bills & Reminders

345 ratings
44 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • September 10, 2016
  • July 18, 2026

Features

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Loan Tracker: You Owe Me screenshot #10 for iPhone
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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
+2

What's New in Loan Tracker

6.9.6

July 18, 2026

This update adds support for Arabic, Japanese, French, and Portuguese. We’ve also improved performance to make the app faster and smoother.

Subscription plans

Monthly Full Version

Unlimited for one month

$1.991 Month
How to cancel Loan Tracker subscription ⁉️
14

In-App Purchases

$0.99

Authentication. Debt Tracker

User Authentication

Events

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

Read more about Smart Money Check-Ins

Smart Money Check-Ins

Know when to reach out and what to say

Apr 9, 2026 May 10, 2026

User reviews

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.
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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!
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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.

Updated still same issue

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.
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Response from developer

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.

Developer apps

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.