Best Iou Apps

249+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.7★, the iou category is one of the App Store's strongest. Browse all 249+ apps we track, sorted so the most loved ones surface first.

Compare top Iou Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1IOU-MarkerIOU-MarkerFree5.0★ (8)YesYesAug 2026
2Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
3Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (122)NoYesAug 2026
4IOU: Split Receipts & ExpenseIOU: Split Receipts & ExpenseFree4.4★ (17)NoYesAug 2026
5IOU - EnglishIOU - EnglishFreeNoNoMay 2026
6IOU - OweTrackerIOU - OweTrackerFree5.0★ (2)NoYesAug 2026
7IOU - Promise & Favor TrackerIOU - Promise & Favor TrackerFreeNoYesJun 2026
8Debt & IOU TrackerDebt & IOU TrackerFreeNoYesJul 2026

Top Picks for Iou

IOU-Marker#1

IOU-Marker by IOU Marker

Agreements, e‑sign, payments
Editor's Choice
💼 Business
5.0(8 ratings)
FreeAds
IOU-Marker screenshot 1
IOU-Marker screenshot 2
IOU-Marker screenshot 3
IOU-Marker screenshot 4
IOU-Marker screenshot 5
IOU-Marker screenshot 6

Create professional agreements and manage payments effortlessly. Draft documents using AI, e-sign, and track invoices and due dates in one organized platform. Secure sign-in ensures your data is protected.

Who Owes Me - Payment Tracker#2

Who Owes Me - Payment Tracker by Voglhuber

Remember debts, split expenses
Strong Contender
💰 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
Debty - Private Debt Tracker#3

Debty - Private Debt Tracker by Derg AB

Keep track of your debts/loans
Worth Considering
💰 Finance
4.8(122 ratings)
FreeIn-App Purchases
Debty - Private Debt Tracker screenshot 1
Debty - Private Debt Tracker screenshot 2
Debty - Private Debt Tracker screenshot 3
Debty - Private Debt Tracker screenshot 4
Debty - Private 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.

More Iou apps to explore

4
IOU: Split Receipts & Expense
IOU: Split Receipts & Expense
IOU: Split Receipts & Expense
Track and settle with friends
Free

Effortlessly split bills with friends by scanning receipts. The app itemizes purchases, assigns them to individuals, and calculates each person's total including tip and tax. Avoid manual calculations and ensure fair payment among your group.

Receipt scanning and itemizationAssign items to individualsAutomatic tax and tip calculation
💰 Finance
(17)
freemium
5
IOU - English
IOU - English
IOU - English
by Islamic Online University
Free
📚 Education
(0)
6
IOU - OweTracker
IOU - OweTracker
IOU - OweTracker
Who Owes Me - Debt Tracker
Free

Easily track money lent, borrowed, and owed without spreadsheets. Manage personal debts, shared expenses, and recurring bills with clear overviews of balances and payment history. Log payments instantly and stay organized with automatic tracking for monthly charges.

Track money lent, borrowed, and owedFilter debts owed to you vs. money you oweView balances, payment history, and upcoming charges
💰 Finance
(2)
freemium
7
IOU - Promise & Favor Tracker
IOU - Promise & Favor Tracker
IOU - Promise & Favor Tracker
Little promises for friends
Free
🌐 Social Networking
(0)
8
Debt & IOU Tracker
Debt & IOU Tracker
Debt & IOU Tracker
Track IOUs & Due Dates
Free
💰 Finance
(0)
9
IOU - Scan, Split, Save
IOU - Scan, Split, Save
IOU - Scan, Split, Save
Expense & Receipt Scanner
Free

Effortlessly split bills, track shared expenses, and manage group finances. This app simplifies tracking who owes what, organizing costs by group, and sending payment reminders. Perfect for roommates, friends, and families to avoid awkward money conversations.

Smart bill splittingReceipt scanningExpense tracking
💰 Finance
(1)
free with in-app purchases
10
IOU Slip – Promise Tracker
IOU Slip – Promise Tracker
IOU Slip – Promise Tracker
Record promises, not debt
Free

This app helps you record personal promises and favors, focusing on relationships and trust rather than monetary debt. It serves as a digital reminder of bonds between people, like offering a massage or a future coffee. It's designed to cherish connections and the spirit of giving.

Record personal promisesTrack favors and bondsDigital note of promises
🌟 Lifestyle
(1)
free
11
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
Track Money You Owe & Lend
Free
💰 Finance
(0)
12
Payback: Debt & IOU Tracker
Payback: Debt & IOU Tracker
Payback: Debt & IOU Tracker
Money lent to friends & family
Free
💰 Finance
(0)
13
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
💰 Finance
(38K)
free with in-app purchases
14
Cash Lender - IOU & Loans
Cash Lender - IOU & Loans
Cash Lender - IOU & Loans
IOU & Loans/Payments Manager
Free

Easily track money lent and borrowed, ensuring you never forget debts. Manage multiple contacts, loans with interest, and partial payments. Secure your data with passcode and Touch ID, and receive timely reminders.

Cloud and local data syncManage multiple contactsLending and borrowing tracking
💰 Finance
(145)
subscription
15
Splitwise
Splitwise
Splitwise
Split expenses with friends
Free

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.

Create groups or private friendshipsAdd expenses in any currencySimplify debts into repayment plans
💰 Finance
(27K)
free with in-app purchases
16
OweMate - IOU & Debt Tracker
OweMate - IOU & Debt Tracker
OweMate - IOU & Debt Tracker
Money Owed? AI Asks For You
Free

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

Track IOUs and shared expensesAI-powered payment remindersSupport for 70+ currencies
💰 Finance
(2)
free with in-app purchases
17
IOU-International Online U
IOU-International Online U
IOU-International Online U
by DAFFODIL COMPUTERS LIMITED
Free
📚 Education
(0)
18
myIOU
myIOU
myIOU
myIOU – Gratitude Token Wallet
Free

This app allows users to express gratitude through digital tokens and share stories of kindness. Users can earn rewards for positive actions and convert them into a unique cryptocurrency. It aims to build a social network centered around appreciation and recognition.

Express gratitude with tokensShare stories, pictures, and videosEarn rewards for kindness
🌐 Social Networking
(1)
free with in-app purchases
19
DebtFlow - Debt Tracker, IOU
DebtFlow - Debt Tracker, IOU
DebtFlow - Debt Tracker, IOU
Track money you lend, & borrow
Free
💰 Finance
(0)
20
Real IOU
Real IOU
Real IOU
by AKTUARNOE STATISTICHESKOE BYURO, TOO
Free
🛍️ Shopping
(0)

FAQ about Iou

What are the best iou apps for iPhone?
IOU-Marker tops our iou apps ranking as of August 2026, with a 5.0-star average from 8 App Store ratings, and it's free to download.
Yes — 20 of the top iou apps we rank are free to download, including IOU-Marker and Who Owes Me - Payment Tracker.
IOU-Marker shows ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 249+ iou apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
IOU-Marker is currently available on iPhone. Future updates may expand compatibility to other devices.
The latest version, 1.6, was released on April 1, 2026. Updates are provided regularly to enhance features and performance.

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