Best Iou Apps

186+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.5★, the iou category is one of the App Store's strongest. Browse all 186+ apps we track, sorted so the most loved ones surface first.

Compare top Iou Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1IOU-MarkerIOU-MarkerFree5.0★ (8)YesNoJul 2026
2Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (769)NoYesJul 2026
3IOU - EnglishIOU - EnglishFreeNoNoMay 2026
4Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (116)NoYesJul 2026
5SplitwiseSplitwiseFree3.9★ (26K)NoYesJul 2026
6Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.5★ (345)NoYesJul 2026
7IOU: Split Receipts & ExpenseIOU: Split Receipts & ExpenseFree4.3★ (16)NoYesJul 2026
8Cash Lender - IOU & LoansCash Lender - IOU & LoansFree4.3★ (131)NoYesJul 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 costs
Strong Contender
💰 Finance
4.6😐(769 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

More Iou apps to explore

4
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
(116)
free with in-app purchases
5
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
(26K)
free with in-app purchases
6
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs, Bills & Reminders
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
(345)
free with in-app purchases
7
IOU: Split Receipts & Expense
IOU: Split Receipts & Expense
IOU: Split Receipts & Expense
Upload and split 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
(16)
freemium
8
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
(131)
subscription
9
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
(284)
free with in-app purchases
10
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
(289)
freemium
11
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
(50)
free
12
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
Track Money You Owe & Lend
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
IOU-Money
IOU-Money
IOU-Money
IOU Money pending tracker
Free

Effortlessly manage your finances with this comprehensive budgeting and expense tracking app. Monitor spending, track debts and credits, and gain insights into your financial health with detailed reports and customizable features.

Comprehensive expense trackingDebt and credit managementMultiple currency support
💰 Finance
(1)
free with in-app purchases
15
Debt Tracker - Debts Manager
Debt Tracker - Debts Manager
Debt Tracker - Debts Manager
Debt payoff planner tracker
Free

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Manage debts and receivablesSeparate by currencyDebt payoff planner
💰 Finance
(104)
free with in-app purchases
16
Settle Up - Group Expenses
Settle Up - Group Expenses
Settle Up - Group Expenses
by Step Up Labs, Inc.
Free

Easily track shared expenses and IOUs for groups like travelers, flatmates, or friends. Handles complex splits, multiple payers, incomes, and items from bills. Works offline and across platforms, minimizing transfers and offering real-time exchange rates.

Track shared expensesManage IOUsHandle complex splits
💰 Finance
(1.6K)
free with in-app purchases
17
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
18
Controle de Dívidas Pessoais
Controle de Dívidas Pessoais
Controle de Dívidas Pessoais
Dívidas e pagamentos
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
19
Imou Life
Imou Life
Imou Life
Imou Life, Enjoy Smart Life
Free

Monitor your home and loved ones with this app, offering remote viewing, two-way talk, and intelligent alerts. Securely store footage in the cloud and easily share access with family.

Remote live view and playbackTwo-way audio communicationIntelligent AI human detection alerts
🌟 Lifestyle
(4.7K)
free with in-app purchases
20
Debt Tracker – IOU & Loans
Debt Tracker – IOU & Loans
Debt Tracker – IOU & Loans
Track money you owe or lend
Free

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Track interpersonal debtsRecord partial paymentsSet custom reminders
💰 Finance
(1)
freemium

FAQ about Iou

What are the best iou apps for iPhone?
IOU-Marker tops our iou apps ranking as of July 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 has no in-app purchases, according to its App Store listing as of July 2026.
We track 186+ iou apps on the iOS App Store as of July 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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