Best I Owe You Apps

43+ iOS apps curated and reviewed

4.1 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)NoYesSep 2026
2iOweYou: Debt TrackeriOweYou: Debt TrackerFreeYesNoSep 2026
3SplitwiseSplitwiseFree4.0★ (27K)NoYesSep 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★ (122)NoYesSep 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
4.0😊(27K ratings)
FreeIn-App Purchases
#26in 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

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.

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