# WaitingOn: IOU & Debt Tracker — Loan & Follow Up Reminder

> Loan & Follow Up Reminder (iPhone/iPad app by Bismah Farooq.)

- Source: https://appshunter.io/ios/app/waitingon-iou-and-debt-tracker/id6816643278 (this page in markdown: same URL + `.md`)
- Developer: [Bismah Farooq](https://appshunter.io/developer/1896741436)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 19 MB
- Languages: American English, Arabic, Hindi, European Spanish, Urdu
- Released: 2026-09-30
- Data updated: 2026-10-03

## What is WaitingOn?

Who owes you money? Which refund is still missing? Who promised to reply and never did?

WaitingOn is the IOU, debt and follow-up tracker for everything where the next move is someone else's. Add it in 5 seconds, and WaitingOn counts the days, reminds you when it's time to follow up, and even writes the nudge for you.

TRACK WHO OWES YOU
• Money you lent to friends and family — IOUs, loans and debts in any currency
• Log partial payments and see exactly how much is still owed
• Borrowed items: camera, book, charger — know who has it and for how long
• Refunds, deliveries, approvals, replies and promises — all in one place

NEVER FORGET TO FOLLOW UP
• Smart reminders: first nudge after 3 days, then 2, 4 and 7 — or the day after a promised date
• Morning digest only on days something is due. No spam, ever.
• "Waiting 12 days" — the waiting time is front and centre on every card
• Snooze, mark "they responded", log a new promise, or resolve in one tap

LET AI WRITE THE NUDGE
• Pick a tone: Friendly, Polite, Professional or Firm
• Send by Messages, Mail or any chat app — nothing is ever sent automatically
• Quick Add understands plain language: "Ali owes me 5000 Friday"

SHARE A PAYBACK LINK
• Send a link — they tap "Done", ask for more time, or reply. No app needed.
• Their answer updates your IOU instantly

MADE FOR REAL LIFE
• Home & Lock Screen widgets
• Share a chat or screenshot from any app to add it
• Siri: "Track something in WaitingOn"
• Workspaces for clients and freelancers, with CSV export
• Money recovered insights and a monthly recap
• Works offline. Syncs securely. Sign in with Apple.
• English, Urdu, Arabic, Hindi and Spanish

WAITINGON PRO
Unlimited loops, AI follow-ups, screenshot import, smart follow-up sequences, attachments, workspaces and money insights. Choose monthly, yearly, or pay once for lifetime access.

Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.

Privacy Policy: https://bismah-farooq.vercel.app/privacy-policy.html
Terms of Use (EULA): https://bismah-farooq.vercel.app/eula.html

Stop remembering. Start following up.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $2.99 | per month |
| Pro Yearly | $14.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro Lifetime | $29.99 | one-time |


## Is WaitingOn safe?

Not enough ratings yet to assess WaitingOn.

## Is WaitingOn legit?

WaitingOn: IOU & Debt Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for WaitingOn is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-09-30

No release notes.

## Apps similar to WaitingOn

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Owely - IOU & Loan Ledger](https://appshunter.io/ios/app/owely-iou-and-loan-ledger/id6788934177) | — | Free | Finance |
| [IOU: Debt Tracker](https://appshunter.io/ios/app/iou-debt-tracker/id6811345950) | — | Free | Finance |
| [DebtTracker: IOU & Loan Log](https://appshunter.io/ios/app/debttracker-iou-and-loan-log/id6763397835) | — | Free | Finance |
| [My Payment Reminder](https://appshunter.io/ios/app/my-payment-reminder/id6760286224) | 5.0 (1) | Free | Finance |
| [DebtFlow - Debt Tracker, IOU](https://appshunter.io/ios/app/debtflow-debt-tracker-iou/id6785288024) | — | Free | Finance |
| [Money: Simple Tracker](https://appshunter.io/ios/app/money-simple-tracker/id6760020227) | — | Free | Finance |

## More apps by Bismah Farooq

- [Resume Builder AI: CV & ATS](https://appshunter.io/ios/app/resume-builder-ai-cv-and-ats/id6770419923)
- [SPACE: Self-Care AI Coach](https://appshunter.io/ios/app/space-self-care-ai-coach/id6791850188)
- [Menorai: Menopause Tracker](https://appshunter.io/ios/app/menorai-menopause-tracker/id6792464375)

All apps by Bismah Farooq: https://appshunter.io/developer/1896741436

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*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 2026-10-03.*