Payback vs IOU

Stop forgetting who owes you money. Payback is a simple, elegant way to track money you've lent or borrowed — so you always know who owes you, how much, and where things stand. No spreadsheets. No confusion. Just clarity. STAY IN CONTROL - Track money owed and what you owe - Log repayments and update balances instantly - See totals and progress at a glance - Add notes and keep everything organised - Find anything fast with powerful search BUILT FOR REAL LIFE Perfect for: - Friends and shared expenses - Roommates and rent tracking - Family loans and IOUs SIMPLE. PRIVATE. RELIABLE. Your data stays on your device. No accounts. No bank connections. Just a clean, secure way to stay on top of things. FREE TO USE Payback is free, including balance and Lock Screen widgets. The free plan covers up to 5 active debts at a time. GO FURTHER WITH PAYBACK PLUS Unlock advanced features including: - Larger Home Screen widgets and detailed widget layouts - Unlimited active debts - Contact linking for easier tracking - Payment requests using your preferred method - Recurring debts and interest tracking - Due dates, reminders and photo receipts - Detailed statistics and charts - PDF and CSV exports for reporting ALWAYS WITHIN REACH Use Home Screen and Lock Screen widgets to instantly see balances, upcoming amounts, and progress. TAKE CONTROL TODAY Download Payback and never lose track of money again. — Prices are in USD and may vary by region. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

OweTracker is a simple personal debt tracker for money you lend, borrow, and owe — without spreadsheets or guesswork. Track rent, shared expenses, personal loans, IOUs, recurring bills, and everyday paybacks in one clear place. See what's owed, what's paid, what's coming next, and when it's time to settle up. Track personal debts with clarity Filter between money you owe and money owed to you with a single tap See totals, payment history, and remaining balances at a glance Save with confidence — the button tells you exactly what you're saving Add notes to keep context on every entry Built for recurring payments Track recurring charges like rent, phone bills, subscriptions, or ongoing loans Set charges to repeat weekly, every two weeks, or monthly Schedule future recurring charges before a balance is due See upcoming charges before they happen Stay organized even when payments change over time Record payments easily Log partial or full payments in seconds Watch balances update instantly Never lose track of who paid what Settle up clearly Create simple settle-up cards when it's time to close the loop Share clean payment summaries for rent, bills, loans, or everyday paybacks Help everyone see what was owed, what was paid, and what remains Made for wherever you are Works in 150+ currencies Available in 12 languages Private by design No ads No data selling Your financial tracking stays on your device Upgrade to Pro OweTracker includes a free version with basic tracking and settle-up cards. Upgrade to Pro to unlock: Unlimited debts Unlimited recurring charges Custom quick notes for faster entry Subscriptions help support continued development and keep OweTracker private and ad-free. If you've ever said "I'll remember later" — OweTracker is for you. Privacy Policy: https://sites.google.com/view/owetracker-privacy-policy/home Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/