IOweU by 2genio.us vs PayMind

Forgot who owes what? IOweU is the free IOU & debt tracker for friends, couples, roommates and families. Track money owed, borrowed items, favors, tasks and chores — and let either side create the IOU. More than just an expense splitter. Unlike a typical expense splitter or debt tracker, IOweU handles every kind of IOU. You paid for a friend's drinks? Create an IOU. Someone borrowed your drill? Create an IOU. Your kid needs to clean the kitchen? Create an IOU — with an optional reward. HOW IT WORKS 1. Create — Add an IOU for money owed, a borrowed item, a favor, or a task. Make it personal with a photo or animated GIF. 2. Share — Send it inside IOweU and the other person gets notified instantly and can respond — or share via any messaging app. Changed your mind? Withdraw, change and resubmit. 3. Resolve — The other side can accept, reject, or propose changes. When done, settle or waive the IOU. WHAT MAKES IOweU DIFFERENT • More than money — track items, favors, tasks, and chores • Either side creates the IOU — no waiting on the other person • Full IOU lifecycle — accept, reject, withdraw, propose changes, reassign (or transfer) to someone else • Optional rewards on tasks and chores • Push notifications on every update • Photos and animated GIFs • Share in-app with instant push notifications — or via any messaging app PERFECT FOR FAMILIES Parents assign chores with optional rewards. Kids can propose their own chores and suggest a reward. On completion, the reward automatically becomes a new IOU. A simple chore app and reward system built into one flow. WHO USES IOweU • Friends — never chase a tenner again. Shared expenses, borrowed gear, "I'll get you next time" favors • Couples — drop the spreadsheet. Day-to-day IOUs that just work • Roommates — rent, groceries, chores and borrowed things in one shared place • Families — kid chores with rewards and everyday promises that actually stick Used by friends, couples, roommates and families around the world. 100% free, ad-supported. No in-app purchases, no paywalls. Swiss-made, with privacy protected under GDPR. Stop forgetting. Start tracking. Download IOweU free today.

Everyday payments, expenses, and dues are very hard to remember continuously. Whether these expenses are related to work, household, or others, PayMind will keep track of them for you by a few clicks. Using PayMind, you can manage and view your : Expenses : Whether the expense is owed by or on another party, all its details (date, amount, description,…etc) can be saved along with any images of receipts and related documents for that specific expense(s). Payments : Whether you made a payment to another party or a payment was made to you, save each payment details (date, amount, notes,…etc) for each party, along with the expenses related to that payment. Net Summary : For each party registered on your app, easily track your unsettled dues with that party and the net value due on whom. Export Data: You can very easily choose a range of dates along with the type of data to be exported to a local Excel file on your mobile. Using PayMind, you can also filter out the displayed expenses/payments to specific dates, simplifying your search for any specific party data. You no longer need to write down or stress your mind to remember your payments.. PAYMIND has done it for you!!