# Who Owes Me - Payment Tracker — Remember debts, split expenses

> App to track debts, manage money lent, and split expenses. (iPhone/iPad app by Voglhuber.)

- Source: https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242 (this page in markdown: same URL + `.md`)
- Developer: [Voglhuber](https://appshunter.io/developer/433453828)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.60/5 from 788 App Store ratings · 116 written reviews indexed
- Age rating: 4+
- Requires: iOS 26 · 13 MB
- Languages: American English, German (Germany), Hindi, European Spanish
- Released: 2017-04-07
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews.md

## What is Who Owes Me?

Never forget who you borrowed money or who you owe money. Who Owes Me - Debt Manager is a simple App to remember debts or split expenses between friends. You can mark debts as paid and always have an overview of money you lent to friends.

You can also use your contacts to quickly add new debts. 

Easy to use interface to quickly manage debts. 

Features
 - Remember debts/IOUs
 - Split expenses (e.g. on holidays or for birthday presents)
 - Cloud Sync between multiple devices
 - Touch/Face ID
 - Multiple folders
 - Notifications
 - Use contacts for faster inputs
 - Over 155 Currencies
 - Part payments
 - Mark as paid
 - Export data
 - Generate PDFs
 - Remind people via SMS/WhatsApp/E-Mail
 - Recurring entries


All pro features, unlimited entries and Cloud Sync between multiple iOS devices can be used after a one time payment or an active auto-renewal subscription. This three in app purchases can be bought in the app.


Subscription informations
 - You can choose between a monthly and a yearly auto-renewal subscription. 
 - Subscriptions include all pro features, unlimited entries and Cloud Sync between multiple iOS devices.
 - The subscription will renew automatically 24 hours before the end of the current period.
 - The subscription price depends on the subscription period you choose.
 - You can manage your subscription and turn off auto-renewal in your iTunes Account Settings.

Free trial
 - Yearly subscription includes a free trial period.
 - You will not be charged until your trial has ended. 
 - Your iTunes Account will only be charged once your purchase is confirmed. 
 - Any unused portion of the free trial period will be forfeited after purchase.


Terms of Service: https://whoowesme.app/tos.pdf

## Key features

- Track debts and IOUs
- Split expenses
- Cloud sync across devices
- Over 155 currency support
- Mark debts as paid
- Generate PDF reports
- Remind people via message

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Yearly | $17.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime | $39.99 | one-time |


## What do users think of Who Owes Me?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use and intuitive
- 🚀 Provides a good overview of debts
- 💡 Helpful for tracking money owed
- 🚀 Simple and straightforward

**Cons**

- 💰 Subscription or high one-time cost
- 🔒 Limited functionality in free version
- 🐛 Sync issues between devices
- 🐛 Crashes and data loss
- 💰 Expensive for the features offered

**Commonly reported bugs**

- App crashes on startup
- Sudden loss of all user data
- Sync issues between devices
- Inability to add new debts in free version

**Most requested features**

- Add ability to record partial payments
- Implement recurring payment tracking
- Include more note-taking options
- Provide cloud-based sync and backup
- Add reminders and notifications

## Recent user reviews (10 of 116)

All indexed reviews: https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242/reviews.md

### 4/5 — Performance improved.

*2026-07-26*

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

**Developer response:** Hi Kerry, thank you for reporting this, and I’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, I’d really appreciate an updated review.

### 1/5 — Horrible performance

*2026-07-17*

I’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. 

I’ve only continued using this because I have so much information in here, it’s hard to switch. But I’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, I’ll find one that actually works.

### 5/5 — Great but…

*2026-07-04*

I really like this app—it has a clean interface, it’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, I’m very disappointed with the pricing options. Just a week ago, I saw a one-time lifetime purchase, but now it’s gone and I’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.

### 1/5 — Glitch/Bug

*2026-06-05*

The app hasn’t worked in a couple days since a recent update and there’s no way to get in touch with the owner or staff members of the app for them to fix the problem or even make them aware. I sent messages through the feedback option with no response. I have tried everything including restarting my phone, deleting the app and reinstalling it several times and nothing worked. I run my business through this app so this problem is a huge inconvenience!

**Developer response:** Hello,
I have seen your feedback and sent you replies to your provided email address. Please check your spam folder or send me another feedback request with your current email address. 

I explained the reason and provided a solution in the email. Hope you can find it in your spam folder and solves your problem. If this is the case maybe you could then give a update in your review.

### 5/5 — Best application

*2026-04-23*

Good for business accounts

### 1/5 — Schlecht

*2025-12-04, version 4.4.13*

Ich kann vom Kauf nur abraten. Lohnt nicht und auch eine Rückerstattung über Apple ist nicht möglich 😠

### 4/5 — Ayuda

*2025-10-11, version 4.4.13*

Yo la uso para guardar productos que quiero comprar y ir ahorrando para comprarlos hace ya varios años compré la versión de un paco único y me a tocado ver que en este tiempo la han estado actualizando mucho no sé si lean este mensaje pero me gustaría que agregen la obsion de arrastrar sería de gran ayuda por que en la tengo de 0 a 120 todo enumerado para llevar un orden de las cosas que quiero comprar pero un ejemplo si yo tengo enumerados de 1234 etc y el producto de prioridad que quiero esta enumerado en el número 1 pero resulta que después agrego más productos y ahora la prioridad es otro producto tengo que hacer un desorden enumerar varios productos y es muy cansado tengo como 3 secciones en cada sección tengo 20 lugares en los que estoy agregando productos que quiero comprar pero el problema es el orden si abilitaran una función que no creo que difícil de mucha ayuda sería en la que uno arrastre y acomode las cosas como uno desea

### 3/5 — BUENA AUNQUE TIENE ALGUNOS BUGS

*2025-09-17, version 4.4.12*

CUMPLE CON SU FUNCIÓN Y ES BASTANTE FÁCIL DE USAR, SU ÚNICO PROBLEMA ES LA SINCRONIZACIÓN ENTRE DISPOSITIVOS, PRINCIPALMENTE EN EL APARTADO DE GRUPOS

### 5/5 — Control control

*2025-01-15, version 4.4.3*

Me encanta esta app, lo único que sería genial que agregaran poder enviarlo en Excel y que al enviarlo quitaran su marca .. según por ello pagamos jejeje pero si es incómodo que cuando envías el documento en la parte de abajo dice. Quien me debe . Com

### 1/5 — Wrong SUM

*2024-12-26*

My app is showing wrong sum. There is no way to contact the developer. Kindly share your email so that you can fix me problem. I have submitted the feedback form many times but no response.

## Frequently asked questions about Who Owes Me

### 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.

## Version history (last 5 releases)

### 4.5.8 — 2026-07-23

- Fixed performance issues for split groups with many entries
- Improved split group images for sharing 
- Bugfixes

### 4.5.7 — 2026-06-19

- Share split folders as images with new design options
- Bugfixes

### 4.5.6 — 2026-06-12

- Improved cloud sync reliability
- Improved app performance
- Bugfixes

### 4.5.5 — 2026-06-09

- Improved recurring debts. 
- Get notifications when recurring debt is added
- Setup end date for recurring debts or number of occurrences
- See active recurring debts and already added debts in settings
- Bugfixes

### 4.5.4 — 2026-06-08

- Duplicate and move debts or persons more easily
- Improved action menus and swipe actions with clearer labels and icons
- Added quicker payment actions in debt and person menus

## Apps similar to Who Owes Me

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance |
| [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance |
| [Rocket Money - Bills & Budgets](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675) | 4.5 (386,200) | Free | Finance |
| [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,403) | Free | Finance |
| [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (84,048) | Free | Finance |
| [Bills Organizer & Reminder](https://appshunter.io/ios/app/bills-organizer-and-reminder/id1352782733) | 4.7 (24,162) | Free | Finance |

## More apps by Voglhuber

- [Juggling](https://appshunter.io/ios/app/juggling/id687454662)
- [Skateshops.at - Skateshops in deiner Nähe finden](https://appshunter.io/ios/app/skateshopsat-skateshops-in-deiner-nahe-finden/id1030738901)
- [Sommergspritzte Rezepte](https://appshunter.io/ios/app/sommergspritzte-rezepte/id1275895780)
- [FFCalc - Retirement Calculator](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772)
- [Fastest Weight Tracker](https://appshunter.io/ios/app/fastest-weight-tracker/id1490596570)

All apps by Voglhuber: https://appshunter.io/developer/433453828

## Related topics

[iou tracker](https://appshunter.io/ios/topics/iou-tracker) · [i owe you](https://appshunter.io/ios/topics/i-owe-you) · [money owed](https://appshunter.io/ios/topics/money-owed) · [who owes me](https://appshunter.io/ios/topics/who-owes-me) · [payment tracker](https://appshunter.io/ios/topics/payment-tracker) · [debt tracker payment](https://appshunter.io/ios/topics/debt-tracker-payment) · [iou](https://appshunter.io/ios/topics/iou) · [oweme](https://appshunter.io/ios/topics/oweme) · [payment tracker split](https://appshunter.io/ios/topics/payment-tracker-split) · [owe you money](https://appshunter.io/ios/topics/owe-you-money) · [owe you](https://appshunter.io/ios/topics/owe-you) · [owe u app](https://appshunter.io/ios/topics/owe-u-app) · [owe](https://appshunter.io/ios/topics/owe) · [paymelater friend debt tracker](https://appshunter.io/ios/topics/paymelater-friend-debt-tracker) · [emboss me pro](https://appshunter.io/ios/topics/emboss-me-pro)

---

*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 2026-08-30.*