Who Owes Me - Payment Tracker

Who Owes Me - Payment Tracker

Remember debts, split expenses

811 ratings
118 reviews
Free
In-App Purchases

Details

Released
April 7, 2017
Updated
November 2, 2026

Features

Who Owes Me - Payment Tracker video #1 for iPhone
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Who Owes Me - Payment Tracker screenshot #10 for iPhone
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About

Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.

โœ“Track debts and IOUs
โœ“Split expenses
โœ“Cloud sync across devices
โœ“Over 155 currency support
โœ“Mark debts as paid
โœ“Generate PDF reports
โœ“Remind people via message
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What users say about Who Owes Me

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+1

What's New in Who Owes Me

4.5.9

November 2, 2026

- Faster loading of folders with custom images - More reliable syncing of shared expenses and partial payments - Fixed syncing when moving people or debts between folders - Bugfixes

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3

Subscriptions & In-App Purchases

Monthly

Monthly Pro Subscription with all Features

$2.991 Month
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User reviews

Performance improved.

I previously reported problems with performance with long histories. Iโ€™m happy to share that the latest update appears to address this.

Response from developer

Hi Kerry, thank you for reporting this, and Iโ€™m sorry for the frustration and data-entry mistakes the slow performance caused. The latest update includes significant performance improvements for groups with many transactions. Please give it another try, and if you still experience any issues, contact me through the in-app feedback form so I can investigate. If the update resolves the problem, Iโ€™d really appreciate an updated review.

Best for All Works Cost

Good

Horrible performance

Iโ€™ve been using this to track group expenses for a year now. I have to share, the performance while adding or editing individual transactions is so slow, the app is unusable. Not noticeable with participants with few transactions. Participants with many slow to a crawl and has let to many data entry mistakes.

Iโ€™ve only continued using this because I have so much information in here, itโ€™s hard to switch. But Iโ€™ve made up my mind that this will be the last month I pay for this app. If there is not an update that fully addresses performance, Iโ€™ll find one that actually works.
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Itโ€™s great

Woo hoo!

Great butโ€ฆ

I really like this appโ€”it has a clean interface, itโ€™s easy to use, and after trying it for a week, I transferred all of my data because I decided it was the right app for me.

However, Iโ€™m very disappointed with the pricing options. Just a week ago, I saw a one-time lifetime purchase, but now itโ€™s gone and Iโ€™m only being offered monthly and yearly subscriptions. I prefer paying once rather than subscribing forever, especially for this type of app.

I would happily change my review to 5 stars if the developer brings back the lifetime purchase option. Please consider offering it again for users like me who prefer a one-time payment. For now, I decided to cancel my subscription.
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Developer apps

User experience

๐Ÿž

Reported Bugs

4 issues

App crashes on startup

Bug

Sudden loss of all user data

Bug

Sync issues between devices

Bug

Inability to add new debts in free version

Bug
โœจ

Requested Features

5 requests

Add ability to record partial payments

Feature

Implement recurring payment tracking

Feature

Include more note-taking options

Feature

Provide cloud-based sync and backup

Feature

Add reminders and notifications

Feature

FAQ

What does Who Owes Me do?

This app helps you remember who you owe money to and who owes you money. It allows you to track debts, split expenses with friends, and maintain an overview of your financial transactions with contacts.

What are the key features of this debt tracker?

Key features include remembering debts, splitting expenses, cloud synchronization between devices, support for over 155 currencies, part payments, marking debts as paid, exporting data, generating PDFs, and sending reminders via SMS or email.

How much does Who Owes Me cost?

The app offers a free version with basic features. Advanced features, unlimited entries, and cloud sync are available through one-time in-app purchases or auto-renewing monthly/yearly subscriptions. A free trial is included with the yearly subscription.

Is this app compatible with my devices?

The description mentions cloud sync between multiple iOS devices, suggesting it is available on iOS. Specific compatibility details for different iOS versions would typically be found on the app store listing.

What are common use cases for this app?

Common use cases include tracking money lent to friends, managing shared expenses for holidays or gifts, keeping a record of personal loans, and ensuring everyone pays their fair share for group activities.