IOU vs Debt Ruthless

IOU is the easiest way to scan receipts, itemize every purchase, and split group expenses accurately. Split what everyone actually ordered—no spreadsheets, no mental math, no awkward follow-ups. SCAN RECEIPTS. ASSIGN ITEMS. DONE. Take a photo of any receipt and IOU will automatically extract items, prices, and totals. Then tap through and assign each item to the right person. Perfect for dinners, trips, and shared purchases where everyone orders something different. ACCURATE SPLITS, EVEN INTERNATIONALLY Split expenses using items, equal splits, percentages, or exact amounts. IOU supports foreign currencies with real-world exchange accuracy using actual credit card charge rates. Region-aware calculations ensure tax and tip are handled correctly wherever you are. BUILT FOR GROUP EXPENSES Create groups for trips, dinners, roommates, and more. Customize groups with photos or curated artwork. Track all expenses in one place and view group insights and spending breakdowns. Settle up easily with Venmo & CashApp. POWERFUL RECEIPT FEATURES * Scan and automatically itemize receipts * Works with foreign receipts and translations * Assign items to individuals one by one * Upload and store receipts within groups * Share a clean breakdown with your group FLEXIBLE AND ORGANIZED * Import existing expenses from other apps * Export your data as CSV or PDF * Adjust settings based on your region * Customize the app with your preferred accent color WHY IOU MOST APPS SPLIT TOTALS. IOU SPLITS WHAT ACTUALLY HAPPENED. No more overpaying. No more chasing people. Just accurate, transparent group expenses. Terms of condition: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Debt Ruthless is the group expense tracker that doesn't sugarcoat. Whether you're splitting a Berlin trip, sharing a London flat, or running a birthday party — log every expense, see who owes whom, and settle up cleanly. WHO IT'S FOR Roommates, travel groups, families, party hosts, friends lending money. Anyone who's tired of chasing money or guessing what they're owed. WHAT YOU CAN DO • Create groups by type — Trip, Apartment, Party, Loan, Family — each with its own colour and category • Add expenses with custom splits: equal, percentage, or fixed amounts per person • Track loans separately with deadlines and partial repayments • Multi-currency — log expenses in EUR, GBP, USD, PLN and more • Settle debts via Venmo, Zelle, bank transfer, or any method you use — record settlements outside the app • Group chat for coordinating who's paying for what • Activity feed shows every change across your groups PRIVACY-FIRST Self-hosted backend in the EU. We don't sell your data. Receipt photos and avatars stored only as long as you keep them. GDPR-compliant by design. NOT A PAYMENT APP Debt Ruthless tracks balances and helps you coordinate. Actual payments happen outside the app — through your bank, Venmo, Zelle, or however you prefer. NO MERCY. ONLY FACTS. Money likes clear situations. So does this app.