Best I Owe You Apps

43+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated November 2026

Who Owes Me is the household name in i owe you, but it's far from the only option. We track 43+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Compare top I Owe You Apps (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6β˜… (813)NoYesNov 2026
2Debty: IOU & Debt TrackerDebty: IOU & Debt TrackerFree4.8β˜… (140)NoYesNov 2026
3iOweYou: Debt TrackeriOweYou: Debt TrackerFreeβ€”YesNoNov 2026
4OweMe - Debt TrackerOweMe - Debt TrackerFree4.7β˜… (323)NoYesOct 2026
5Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.5β˜… (357)NoYesNov 2026
6What Do I Owe You?What Do I Owe You?Free5.0β˜… (1)NoNoOct 2026
7SplitwiseSplitwiseFree4.0β˜… (30K)NoYesNov 2026
8owedowedFree4.6β˜… (52)NoNoOct 2026

Top Picks for I Owe You

Who Owes Me - Payment Tracker#1

Who Owes Me - Payment Tracker by Voglhuber

Remember debts, split expenses
Editor's Choice
πŸ’° Finance
4.6😐(813 ratings)
FreeIn-App Purchases
Who Owes Me - Payment Tracker screenshot 1
Who Owes Me - Payment Tracker screenshot 2
Who Owes Me - Payment Tracker screenshot 3
Who Owes Me - Payment Tracker screenshot 4
Who Owes Me - Payment Tracker screenshot 5
Who Owes Me - Payment Tracker screenshot 6

Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.

What We Love

  • πŸ‘ Easy to use and intuitive
  • πŸš€ Provides a good overview of debts
  • πŸ’‘ Helpful for tracking money owed
  • πŸš€ Simple and straightforward

Room to Improve

  • πŸ’° Subscription or high one-time cost
  • πŸ”’ Limited functionality in free version
  • πŸ› Sync issues between devices
  • πŸ› Crashes and data loss
  • πŸ’° Expensive for the features offered
Debty: IOU & Debt Tracker#2

Debty: IOU & Debt Tracker by Derg AB

Money owed, loans & clients
Strong Contender
πŸ’° Finance
4.8😐(140 ratings)
FreeIn-App Purchases
Debty: IOU & Debt Tracker screenshot 1
Debty: IOU & Debt Tracker screenshot 2
Debty: IOU & Debt Tracker screenshot 3
Debty: IOU & Debt Tracker screenshot 4
Debty: IOU & Debt Tracker screenshot 5

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

What We Love

  • πŸ‘ Simple and straightforward interface
  • ✨ Attractive and clean UI
  • πŸš€ Fast to add records
  • βœ… No ads or unnecessary features
  • πŸ’° Optional subscription model
  • πŸ”„ iCloud backup/sync mentioned positively
  • πŸ’΅ Supports multiple currency types
  • πŸ‘Œ Intuitive to use
  • πŸ’‘ Minimalist design

Room to Improve

  • πŸ’Έ Introduction of subscription model
  • ⚠️ Free version has limitations (e.g., 3 debtors)
  • πŸ’° FaceID unlock is paid
  • πŸ”„ Frequent updates can be disruptive
  • πŸ—‘οΈ Data loss issues reported
  • πŸ“± Works only on one device without sync
  • πŸ’± Default currency is not always rubles
  • πŸ“ˆ App size increases over time

More I Owe You apps to explore

FAQ about I Owe You

What are the best i owe you apps for iPhone?
Who Owes Me - Payment Tracker tops our i owe you apps ranking as of November 2026, with a 4.6-star average from 813 App Store ratings, and it's free to download.
Yes β€” 20 of the top i owe you apps we rank are free to download, including Who Owes Me - Payment Tracker and Debty: IOU & Debt Tracker.
Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of November 2026.
We track 43+ i owe you apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.

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