Best I Owe You Apps

43+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated August 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 — many free, many higher-rated than you'd expect.

Compare top I Owe You Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
2iOweYou: Debt TrackeriOweYou: Debt TrackerFreeYesNoAug 2026
3SplitwiseSplitwiseFree3.9★ (27K)NoYesAug 2026
4owedowedFree4.6★ (52)NoNoAug 2026
5OweMe - Debt TrackerOweMe - Debt TrackerFree4.7★ (322)NoYesAug 2026
6Debes: Who owes me? Do I owe?Debes: Who owes me? Do I owe?Free4.0★ (1)NoNoMay 2026
7miEbooksmiEbooksFree3.9★ (185)NoNoAug 2026
8Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (119)NoYesAug 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
💰 Finance
4.6😐(788 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

  • 👍 Easy to use and intuitive
  • 🚀 Provides a good overview of debts
  • 💡 Helpful for tracking money owed
  • 🚀 Simple and straightforward

Room to Improve

  • 💰 Subscription or high one-time cost
  • 🔒 Limited functionality in free version
  • 🐛 Sync issues between devices
Splitwise#3

Splitwise by Splitwise, Inc.

Split expenses with friends
Worth Considering
💰 Finance
3.9😊(27K ratings)
FreeIn-App Purchases
#28in Finance
Splitwise screenshot 1
Splitwise screenshot 2
Splitwise screenshot 3
Splitwise screenshot 4
Splitwise screenshot 5

Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.

What We Love

  • 🚀 Simplifies splitting expenses
  • 👍 Easy to use and intuitive
  • 💡 Helpful for group trips and shared living
  • 🚀 Convenient payment integration

Room to Improve

  • 🐛 Confusing settle up process
  • 🐛 Inaccurate receipt scanning
  • 💰 Subscription model too expensive

More I Owe You apps to explore

4
owed
owed
owed
money mangement made easy!
Free

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Track multiple debts per personUse contacts to add peopleSet notifications
💰 Finance
(52)
free
5
OweMe - Debt Tracker
OweMe - Debt Tracker
OweMe - Debt Tracker
Keep track of your money
Free

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Track who owes you moneyReminders for unpaid debtsOverview of outstanding debts
🔧 Utilities
(322)
freemium
6
Debes: Who owes me? Do I owe?
Debes: Who owes me? Do I owe?
Debes: Who owes me? Do I owe?
by Tomas Chyly
Free

Easily track who owes you money or what you owe others. Organize debts by creating people and assigning items to them. This app works entirely offline for complete privacy and convenience.

Manage who owes you moneyTrack what you owe othersOrganize debts with items
💰 Finance
(1)
free
7
miEbooks
miEbooks
miEbooks
by ITSI HOLDINGS (PTY) LTD
Free

This interactive e-reader allows users to annotate e-books with notes and sketches, highlight text, and generate summaries. It also provides access to multimedia resources and offers offline reading capabilities with cloud backup for annotations.

Add notes and sketchesHighlight textGenerate summaries from highlights
📚 Education
(185)
free
8
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Keep track of your debts/loans
Free

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.

Track debts and loansManage shared expensesAutomatic calculations
💰 Finance
(119)
free with in-app purchases
9
PayMeLater Friend Debt Tracker
PayMeLater Friend Debt Tracker
PayMeLater Friend Debt Tracker
Track debts and split bills
Free

Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

Track running tallies of debtsSplit bills by assigning items from receipt photosSign up with phone number
💰 Finance
(65)
free with in-app purchases
10
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs, Bills & Repayment Plans
Free

This app helps manage money shared between friends, family, or partners. It tracks loans, splits bills, and facilitates clear communication about debts and repayments with built-in message templates and professional statements.

Track loans and IOUsSplit bills easilyBuilt-in Money Messages for conversations
💰 Finance
(349)
free with in-app purchases
11
Graffiti Tag Marker
Graffiti Tag Marker
Graffiti Tag Marker
Draw your own Graffiti!
Free

Unleash your creativity and design personalized graffiti tags and street art directly on your device. This intuitive drawing app simulates graffiti marker strokes with pressure sensitivity, offering a wide selection of markers, nib shapes, and colors.

Design graffiti tags and street artEmulates graffiti marker strokesPressure-sensitive drawing
🎬 Entertainment
(91)
free with in-app purchases
12
What Do I Owe You?
What Do I Owe You?
What Do I Owe You?
A simple way to split the bill
Free
💰 Finance
(0)
13
IOweU by 2genio.us
IOweU by 2genio.us
IOweU by 2genio.us
Track belongings and tasks
Free

Easily track money owed, borrowed items, favors, and tasks between friends, family, or roommates. Both parties can create and manage IOUs, with options for rewards on chores. Stop forgetting and start tracking your shared obligations.

Track money, items, favors, and tasksEither side can create IOUsFull IOU lifecycle management
📊 Productivity
(0)
ad-supported
14
MoDebt
MoDebt
MoDebt
I Owe You Tracker
Free
💰 Finance
(0)
15
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Payments Planner & Reminder
Free

This app helps you manage debts, loans, and finances with features like joint tracking, payment reminders, and detailed analytics. It provides a secure way to organize your financial obligations and maintain a history of paid debts.

Joint debt trackingDebt and loan groupingStatistics and analytics
💼 Business
(299)
free with in-app purchases
16
Должник - трекер долгов
Должник - трекер долгов
Должник - трекер долгов
Записывай кто и сколько должен
Free
💼 Business
(0)
17
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Track what you owe or are owed
Free

This app helps you manage personal finances by tracking who owes you money and who you owe. It simplifies budgeting and ensures you never miss payment deadlines. Visualize your finances with list or calendar views and stay informed with a convenient homepage widget.

Track one-off paymentsManage recurring paymentsFilter payments by status/type
💰 Finance
(4)
free with in-app purchases
18
Who Owes Me - OweList
Who Owes Me - OweList
Who Owes Me - OweList
Track Who Owes You
Free

Easily track money owed, borrowed, and personal debts in one organized place. Record debts, monitor repayments, and view balances for everyday situations like splitting bills or informal loans. Keep a clear log of all transactions without complex financial tools.

Track money owed and borrowedRecord partial repaymentsMonitor individual balances
💰 Finance
(3)
free with in-app purchases
19
Owemint - You Owe Me
Owemint - You Owe Me
Owemint - You Owe Me
Money Owed & Debt Tracker
Free

This personal finance tool helps you manage money owed between people without spreadsheets or group chats. Easily track who owes what, record partial payments, and set due date reminders. Keep your debt records private and secure on your device.

Track money owed to and by youRecord partial paymentsSet and receive due date reminders
💰 Finance
(5)
freemium
20
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Manager: Who Owes Me?
Free

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Record who owes you moneyManage your own debtsDetailed debt data (amount, currency, payments)
💰 Finance
(57)
free with in-app purchases

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 August 2026, with a 4.6-star average from 788 App Store ratings, and it's free to download.
Yes — 20 of the top i owe you apps we rank are free to download, including Who Owes Me - Payment Tracker and iOweYou: Debt Tracker.
Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 43+ i owe you apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you remember who you owe money to and who owes you money. It allows you to track debts, split expenses with friends, and maintain an overview of your financial transactions with contacts.
Key features include remembering debts, splitting expenses, cloud synchronization between devices, support for over 155 currencies, part payments, marking debts as paid, exporting data, generating PDFs, and sending reminders via SMS or email.

Related searches