IOU vs Bill Promptly

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/

Bill Promptly helps you stay on top of household bills without turning personal finance into a spreadsheet. Track rent, electricity, phone, internet, insurance, medical bills, subscriptions, and other regular expenses in one simple place. See what is overdue, what is due soon, what has already been paid, and what needs attention next. KEY FEATURES Bill tracking Create bills with due dates, categories, companies, notes, and payment status. Partial payments Record multiple payments against a single bill. Bill Promptly automatically calculates paid amount, remaining balance, and payment progress. Recurring bills Set monthly or yearly recurring bills and let the app prepare the next bill when the current one is paid. Smart reminders Configure global reminders or customize reminders for individual bills. Payment history Keep a clear timeline of payment dates, methods, reference numbers, notes, and receipt attachments. Statistics Review overdue totals, upcoming bills, monthly pressure, payment rate, category breakdowns, and recent payment activity. Search and filters Find bills by status, category, month, amount, recurrence, partial payment, and due window. Backup and export Export CSV files, import CSV records, and create JSON backups for bills, payments, and settings. Optional AI Entry Enable AI Entry in Settings to create bills or record payments from plain language, such as "I paid the electricity bill today." You choose your AI provider and enter your own API key. AI Entry is off by default. PRIVATE BY DEFAULT Bill Promptly stores your bill data locally on your device. No account is required for the core app. AI Entry is optional and only sends your entered text and relevant bill context to the AI provider you configure.