IOUly vs Finerva

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

Finerva is a personal finance companion for organising your everyday money in one clear place. Track cash, debit, savings, credit and debt accounts; record income, expenses and transfers; and keep categories and tags organised. Create groups to share expenses with friends, partners or family. Record who paid, split costs, track group balances and settle repayments without spreadsheets. Your personal accounts, categories, budgets, tags and activity remain private. Plan ahead with budgets, recurring schedules, savings goals and debt plans. Review activity, balances, spending and reports across your currencies. Finerva keeps an encrypted offline projection on your device so you can review your finances offline. Finerva Plus adds saved report views, explanations of reporting changes, cash-flow forecasts and private what-if scenarios, plus additional group creation and recurring schedules. Choose a monthly subscription, an annual subscription billed in full each year, or a one-time lifetime purchase. All three unlock the same premium features. The free plan includes transaction entry, basic reports, budgets, goals, debt plans, settlement and raw data export. Join unlimited groups, create one group over your account lifetime, and create one recurring schedule. Prices are shown in your local currency before purchase. Subscriptions renew automatically unless cancelled through your Apple account settings. Lifetime access does not renew; purchasing it does not cancel an existing subscription. Restore purchases from the Finerva account originally used. Finerva does not provide banking, lending, payments, investment products or financial advice. Forecasts and scenarios are estimates based on your inputs. Privacy Policy: https://finerva-api.work-pulse.work/api/legal/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/