Best Iou Friend Apps

244+ iOS apps curated and reviewed

4.7 avg rating

20 free apps

Updated October 2026

With an average user rating of 4.7★, the iou friend category is one of the App Store's strongest. Browse all 244+ apps we track, sorted so the most loved ones surface first.

Compare top Iou Friend Apps (October 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	IOU: Split Receipts & Expense	Free	4.4★ (18)	No	Yes	Oct 2026
2	IOU: Debt Tracker	Free	—	No	Yes	Sep 2026
3	Debtyy – Debt Tracker & IOU	Free	4.0★ (2)	No	Yes	Oct 2026
4	Payback: Debt & IOU Tracker	Free	5.0★ (3)	No	Yes	Oct 2026
5	IOU - OweTracker	Free	5.0★ (4)	No	Yes	Oct 2026
6	Friend - Make friends online	Free	4.6★ (21)	Yes	Yes	Oct 2026
7	Friend - Wearable Companion	Free	3.6★ (118)	No	No	Oct 2026
8	WhoWhom — IOU & debt tracker	Free	—	No	Yes	Oct 2026

Top Picks for Iou Friend

#1

IOU: Split Receipts & Expense by Eric Agredo

Track and settle with friends

Editor's Choice

4.4(18 ratings)

FreeIn-App Purchases

IOU: Split Receipts & Expense screenshot 1

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IOU: Split Receipts & Expense screenshot 4

IOU: Split Receipts & Expense screenshot 5

IOU: Split Receipts & Expense screenshot 6

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.

#2

IOU: Debt Tracker by Ivan Dotsenko

Track money between friends

Strong Contender

0.0(0 ratings)

FreeIn-App Purchases

IOU: Debt Tracker screenshot 1

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IOU: Debt Tracker screenshot 3

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IOU: Debt Tracker screenshot 5

#3

Debtyy – Debt Tracker & IOU by Akylbek Utekeshev

Who owes me? Loans to friends

Worth Considering

4.0(2 ratings)

FreeIn-App Purchases

Debtyy – Debt Tracker & IOU screenshot 1

Debtyy – Debt Tracker & IOU screenshot 2

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Debtyy – Debt Tracker & IOU screenshot 6

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.

More Iou Friend apps to explore

Payback: Debt & IOU Tracker

Payback: Debt & IOU Tracker

Payback: Debt & IOU Tracker

Money lent to friends & family

Easily track money lent or borrowed without complex spreadsheets. Log repayments, see balances at a glance, and organize all your IOUs. Offers a free tier for basic tracking and a premium subscription for advanced features like unlimited debts and detailed reports.

Track money owed and lentLog repayments and update balancesOrganize with notes and search

IOU - OweTracker

IOU - OweTracker

IOU - OweTracker

Who Owes Me - Debt Tracker

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

Friend - Make friends online

Friend - Make friends online

Friend - Make friends online

Give text support to strangers

This social app helps you develop your friend-making and support skills through anonymous text conversations. Practice empathy and communication by helping strangers and learning to build trust and understanding in relationships.

Anonymous textingChoose conversation partnersLearn relationship skills

free with in-app purchases

Friend - Wearable Companion

Friend - Wearable Companion

Friend - Wearable Companion

by Friend Global, Inc.

This application allows users to communicate with their wearable device. It provides a simple interface for interaction and conversation with a connected companion.

Talk to your friendWearable device communicationCompanion interaction

🎬 Entertainment

WhoWhom — IOU & debt tracker

WhoWhom — IOU & debt tracker

WhoWhom — IOU & debt tracker

Money between friends, sorted

PayMeLater Friend Debt Tracker

PayMeLater Friend Debt Tracker

PayMeLater Friend Debt Tracker

Track debts and split bills

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

free with in-app purchases

Splid – Split group bills

Splid – Split group bills

Splid – Split group bills

On vacation or with friends

Easily track and settle group expenses for holidays, housemates, or relationships. Enter all costs and see who owes what, even with complex or multi-currency transactions. Works online and offline with no sign-up required.

Track group expensesSettle up easilyOnline and offline functionality

free with in-app purchases

IOU - Promise & Favor Tracker

IOU - Promise & Favor Tracker

IOU - Promise & Favor Tracker

Little promises for friends

🌐 Social Networking

OweMate: IOU & Who Owes Me

OweMate: IOU & Who Owes Me

OweMate: IOU & Who Owes Me

Lend, Borrow & AI Reminders

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

free with in-app purchases

Splittr - Expense Splitting

Splittr - Expense Splitting

Splittr - Expense Splitting

Split costs with friends

Easily track and divide shared expenses for group trips, shared living, or any activity. Add costs as they occur, and the app automatically calculates who owes whom. Invite friends to contribute expenses from their own devices, even offline.

Split group expensesCalculate who owes whomInvite friends to add expenses

free with in-app purchases

Yare - Connect With Friends

Yare - Connect With Friends

Yare - Connect With Friends

Group Chat & Meet New People

Connect with international students through a vibrant campus social network. Share activities, discover events, and form study groups to build your global community.

Campus social networkingPost activity postersImage-based event sharing

🌐 Social Networking

OweTrack - IOU Tracker

OweTrack - IOU Tracker

OweTrack - IOU Tracker

Keep track of who owes who.

Easily track debts and repayments among friends and family. Record who owes whom, manage payments, and view outstanding balances. All your financial IOU data is stored locally on your device for privacy.

Create IOUs with detailsRecord and track repaymentsView active, overdue, and paid IOUs

the app for your social life

This app helps you coordinate real-life hangouts with friends. See who's available, suggest activities, and discover new places based on your friends' preferences. It's designed to turn spontaneous ideas into actual plans and expand your social circle through existing connections.

See friend availabilitySuggest activitiesInvite friends of friends

🌐 Social Networking

DebtTracker: IOU & Loan Log

DebtTracker: IOU & Loan Log

DebtTracker: IOU & Loan Log

Who Owes Me? Lend & Borrow

Easily track who owes you money and who you owe. Log loans, record payments, and get reminders for due dates. Keep all your IOUs and personal loan details in a private ledger without needing an account or subscription.

Track lent and borrowed moneyRecord partial paymentsSet due dates and get reminders

DebtMe: IOU & Debt Tracker

DebtMe: IOU & Debt Tracker

DebtMe: IOU & Debt Tracker

Lend, Borrow, Loan & Interest

This app helps you track money lent and borrowed between individuals. Log loans, record repayments, and calculate interest automatically. It offers reminders and customizable messages to help you manage your debts privately and securely on your device.

Track lent and borrowed moneyLog partial repaymentsAutomatic interest calculation

Banana Split, Bill & Expenses

Banana Split, Bill & Expenses

Banana Split, Bill & Expenses

Costs: Friends & Group

Easily manage group expenses for trips and events. Track who paid for what and who owes whom, simplifying settlement. Supports over 120 currencies and allows sharing summaries via email.

Create eventsAdd participantsRecord expenses

WaitingOn: IOU & Debt Tracker

WaitingOn: IOU & Debt Tracker

WaitingOn: IOU & Debt Tracker

Loan & Follow Up Reminder

FAQ about Iou Friend

What are the best iou friend apps for iPhone?

IOU: Split Receipts & Expense tops our iou friend apps ranking as of October 2026, with a 4.4-star average from 18 App Store ratings, and it's free to download.

Are there free iou friend apps for iPhone?

Yes — 20 of the top iou friend apps we rank are free to download, including IOU: Split Receipts & Expense and IOU: Debt Tracker.

Does IOU: Split Receipts & Expense have ads or in-app purchases?

IOU: Split Receipts & Expense has no ads and offers in-app purchases, according to its App Store listing as of October 2026.

How many iou friend apps are on the App Store?

We track 244+ iou friend apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.