# Who Owes Me: Debt Tracker — Lend, borrow and settle up > Personal finance app for tracking loans and managing debts. (iPhone/iPad app by Artcode LTDA.) - Source: https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054 (this page in markdown: same URL + `.md`) - Developer: [Artcode LTDA](https://appshunter.io/developer/1815865404) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: +4 - Requires: iOS 16.4 · 92 MB - Languages: Brazilian Portuguese, European Spanish, American English - Released: 2026-02-09 - Data updated: 2026-09-07 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054/reviews.md ## What is Who Owes Me? In this version, we've added a new feature so you can easily view and manage transactions that remained pending from previous months. No more losing track of old debts! Additionally, we squashed some bugs to make the app even faster and more stable for your daily routine. ## Key features - Track loans - Manage outstanding debts - View pending transactions - Bug fixes for stability - Improved speed ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Annual Plan | $14.99 | per year | | Monthly Premium | $2.99 | per month | ## Recent user reviews (8 of 8) All indexed reviews: https://appshunter.io/ios/app/who-owes-me-debt-tracker/id6752876054/reviews.md ### 5/5 — Answome *2026-05-18* very good app ### 5/5 — SUPER fácil de usar *2026-05-17* Muito bom!! Bem organizado ### 5/5 — Nota mil *2026-04-11* To amando, me ajudando demais no dia a dia ### 5/5 — Evoluindo muito bem *2026-03-05* O app tá tendo atualizações quase toda semana que vem melhorando muito a experiência e qualidade! ### 5/5 — Me salvou *2026-03-05* Sempre ficava anotando no bloco de notas, agora tenho algo mais organizado e bem intuitivo. ### 5/5 — Simples, fácil e organizado. *2026-02-09* Sinceramente, esse aplicativo salvou a minha memória! Eu sempre fui aquela pessoa que emprestava dinheiro para amigos e familiares e acabava ficando sem jeito de cobrar, ou às vezes até esquecia completamente. Com o app, consigo ter tudo anotado de forma clara e visual. Ele tirou aquele peso de ter que 'guardar de cabeça' quem me deve e para quem eu devo. Agora, sinto que tenho muito mais controle do meu dinheiro e evito situações chatas. Recomendo demais para quem quer organizar as finanças sem complicação! ### 5/5 — muito prático, recomendo demais *2026-02-09* o melhor!! ### 5/5 — Extremamente necessário *2026-02-09* Aplicativo muito bom me ajuda a lembrar de quem eu tô devendo ## Frequently asked questions about Who Owes Me ### What is the primary function of Who Owes Me? Who Owes Me is designed to help users easily track loans and manage debts owed to them. It allows for viewing and managing transactions, ensuring users don't lose track of outstanding amounts. ### Does Who Owes Me have ads? Yes, Who Owes Me contains advertisements. This is common for free finance applications that offer in-app purchases for premium features. ### What are the subscription options for Who Owes Me? Who Owes Me offers a Monthly Premium subscription for $2.99 with a 7-day free trial, and an Annual Plan for $14.99 with a 14-day free trial. ### How often is Who Owes Me updated? The app was last updated on June 16, 2026, with version 2.10.0. Updates typically include bug fixes and performance improvements to enhance user experience. ### What devices does Who Owes Me support? Who Owes Me is available on iPhone and iPod devices. It is designed for iOS users looking to manage their personal finances on the go. ### Is Who Owes Me suitable for younger users? Who Owes Me has an age rating of 12+, making it suitable for teenagers and adults. The app's focus on financial tracking is appropriate for this age group. ### Can I manage debts from previous months in Who Owes Me? Yes, a key feature of Who Owes Me is the ability to view and manage transactions that remained pending from previous months, ensuring no old debts are forgotten. ### What makes Who Owes Me faster and more stable? Recent updates to Who Owes Me have focused on squashing bugs to improve the app's speed and stability. This ensures a smoother daily routine for users managing their finances. ## Version history (last 5 releases) ### 2.18.0 — 2026-09-05 Say you paid, confirm when you're paid • On transactions with friends in the app, whoever owes now has a "Report that I paid" button — the notice reaches the lender right away. • The transaction is only marked paid after the lender confirms they received it. • Paid everything at once? "Report that I paid everything" sends a single notice with the number of transactions and the total. • On the other side, you can see who is waiting: a badge on the person, a tag on the transaction, and a confirmation screen when you open the app or tap the notification. • The lender can also mark everything a friend owes as received, all at once. ### 2.17.0 — 2026-08-31 Logging several transactions in a row is now faster • New "Save and add another" button: saves the transaction and starts the next one for the same person right away. • The direction — lent or borrowed — now sits next to the amount in a compact selector. One less step in the form. • A person's screen now has a shortcut that starts a new transaction for them. Fixes • Accepting a friend invite no longer fires one notification for every old transaction. • The date picker now closes when you tap outside it, and the form's colors no longer bleed through the calendar. • The People list no longer shows the title on top of the search bar while it loads. • The edit screen's Save button is now pinned, always visible above the keyboard. ### 2.16.0 — 2026-08-30 The free plan limit now renews every month • On the free plan you can log up to 20 transactions per month, and the count resets on the 1st. The limit used to be a fixed total: once it filled up, the only way to free space was deleting old transactions. • Old history no longer counts toward the limit — you don't have to delete anything to keep logging. • The limits screen shows how much you've used this month and the day it renews. • On Who Owes Pro, transactions stay unlimited. WhatsApp charges for numbers from other countries • You can now save contacts outside Brazil using the country code (e.g. +52 55 1234 5678) and charge them over WhatsApp as usual. • Error messages now say exactly what is wrong with the number. Also • The app opens straight on the sign-in screen, without the intro screens. • The notification permission is asked after your first entry, when there is already a due date to remind you about. • If saving a transaction fails, the app tells you instead of failing silently. ### 2.15.0 — 2026-08-25 Faster startup • The app no longer gets stuck on the launch screen. On poor connections that wait could run past a minute every single time you opened the app — startup now has a time limit and the app comes up even if a step takes too long. Fixes arrive on their own • The app now looks for improvements when it opens, without waiting for a store update. • When something new is ready, a brief message appears on the launch screen while it's applied. If your connection is slow, the app opens normally and the update kicks in next time. Also • Filters in the transaction list are easier to read. ### 2.14.0 — 2026-08-20 Split a bill between several people • When you create a transaction, pick 2 or more people: the amount is split evenly and each person becomes a separate debt. • Adjust anyone's share when the split isn't even — the remainder updates as you go. • You can include yourself: your share shapes the math but never becomes a debt. Reliability for the people who owe you • The numeric score is now a clear level — Terrible to Excellent — with what each one means and the share of payments made on time. • The person screen was redesigned around it. WhatsApp charging • The message now changes with the direction: they owe you, you owe them, or you're settled up. • When you're the one who owes, the app asks for their PIX key instead of sending yours. • Missing a phone number? Sync the contact from your address book or type the number right there, without leaving the charge. Also • "Link" is now Friend Invite, and whoever accepts becomes a Friend — the debts you record for each other still show up in both apps. ## Related topics [debtor ledger](https://appshunter.io/ios/topics/debtor-ledger) · [dívidas](https://appshunter.io/ios/topics/dívidas) · [who owes me](https://appshunter.io/ios/topics/who-owes-me) · [fiado](https://appshunter.io/ios/topics/fiado) · [dividendos.me ltda](https://appshunter.io/ios/topics/dividendos-me-ltda) · [minha cmnet](https://appshunter.io/ios/topics/minha-cmnet) · [fiado e empréstimos](https://appshunter.io/ios/topics/fiado-e-empréstimos) --- *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 2026-09-07.*