IOU vs Kuri

IOU: Debt Tracker keeps personal debts and shared expenses out of your head. Record money you lent or borrowed, choose the amount, currency, and due date, and see the current balance for every person. • Add people and choose friendly avatars • Record money lent and borrowed • Use any currency • Keep an eye on due dates and reminders • Review transaction history and total balances • Mark a debt as settled when money is returned Your debt records stay on your iPhone. No account is required. Made for simple IOUs between friends, family, and coworkers, without spreadsheets or complicated finance jargon. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Kuri is a complete chit fund (chitti) manager for organisers and members. Create a chitti, enrol members straight from your contacts, record monthly collections, and conduct draws — all from your phone. FOR ORGANISERS • Create chittis with flexible payouts: standard lucky draw, auction, organiser-first, or commission based • Enrol members from your contacts in a couple of taps — duplicates are caught automatically • Record full or partial payments, month by month, with a clear paid / pending picture • Conduct lucky draws with a live animation; previous winners are excluded automatically • Run auctions: the winning bid's discount is shared back to members as a dividend, and every bid stays in history • Export reports to PDF and Excel and share them in one tap FOR MEMBERS • See every chitti you participate in, with your own payment history • Follow each month's collection status and draw results • Your details are visible only to people who share a chitti with you BUILT FOR TRUST • Every payout model keeps the arithmetic visible — pools, dividends and commissions are always shown, never hidden • Works offline first: your records live on your device • Sign in with email or Apple or Google to keep your profile across devices Kuri keeps the tradition of the chitti — and takes the paperwork out of it.