IOUly vs FlashBill

Never forget who owes you money or what you borrowed. IOUly is a clean, simple, and completely private debt logger and IOU tracker built to keep your personal finances organized. Whether you lend money to friends, split household bills, or borrow cash for lunch, IOUly helps you record every transaction in seconds—without creating an account or syncing sensitive data to the cloud. Key Features: - Quick Debt Logging: Record lent and borrowed amounts instantly with names, dates, and notes. - 100% Offline & Private: All your data stays strictly on your device. No sign-up required. - Partial Paybacks: Log partial payments until the full balance is settled. - Clear Balances: View summary totals of who owes you and who you owe at a single glance. - Smart Reminders: Keep track of upcoming paybacks without any hassle. Take control of your personal loans and shared IOUs today with IOUly! https://levge.com/terms.html https://levge.com/privacy.html

FlashBill is your personal finance tracker: fast to use, clear to read, and it never connects to your bank. RECORD IN SECONDS Log income or an expense in a few taps. From your phone's home screen you can record a transaction without even opening the app. YOUR ACCOUNTS AND CARDS Cash, debit and credit cards with their statement and payment dates. Transfers between accounts, installment purchases and recurring transactions that generate themselves. MY LOANS Keep track of who owes you and who you owe, with partial payments and a balance that is always up to date. If the other person also uses FlashBill you can link up, and every transaction shows in both apps without anyone having to send a reminder. RECEIPTS AND MULTIPLE CURRENCIES Attach a photo of the receipt to a transaction and work with more than one currency, with its exchange rate. REPORTS YOU ACTUALLY UNDERSTAND Charts by category, by account and by period, so you can see where the money goes without reading a spreadsheet. YOUR MONEY STAYS HERE FlashBill never connects to your bank and never asks for banking credentials. Your transactions travel end-to-end encrypted: not even we can read them. And the little that does leave your phone — crash reports and usage statistics — is spelled out on the welcome screen, with its switch in plain sight so you can turn it off whenever you want. FREE AND PREMIUM Free: two devices and everything essential to keep your accounts. Premium: up to 20 accounts and cards, up to 100 custom categories, photos on your transactions, up to 5 simultaneous devices, the complete "My Loans" section, shared finances and priority support. Spanish, English and Portuguese. Light and dark mode.