Best Iou Friend Apps

242+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.5★, the iou friend category is one of the App Store's strongest. Browse all 242+ apps we track, sorted so the most loved ones surface first.

Compare top Iou Friend Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1IOU: Split Receipts & ExpenseIOU: Split Receipts & ExpenseFree4.4★ (17)NoYesAug 2026
2IOU - OweTrackerIOU - OweTrackerFree5.0★ (2)NoYesAug 2026
3Friend - Make friends onlineFriend - Make friends onlineFree4.5★ (20)YesYesJul 2026
4Payback: Debt & IOU TrackerPayback: Debt & IOU TrackerFreeNoYesAug 2026
5Friend - Wearable CompanionFriend - Wearable CompanionFree3.5★ (115)NoNoAug 2026
6PayMeLater Friend Debt TrackerPayMeLater Friend Debt TrackerFree4.7★ (67)NoYesAug 2026
7IOU - Promise & Favor TrackerIOU - Promise & Favor TrackerFreeNoYesJun 2026
8Splid – Split group billsSplid – Split group billsFree4.9★ (3.9K)NoYesAug 2026

Top Picks for Iou Friend

IOU: Split Receipts & Expense#1

IOU: Split Receipts & Expense by Eric Agredo

Track and settle with friends
Editor's Choice
💰 Finance
4.4(17 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.

IOU - OweTracker#2

IOU - OweTracker by MASON QULIZADA

Who Owes Me - Debt Tracker
Strong Contender
💰 Finance
5.0(2 ratings)
FreeIn-App Purchases
IOU - OweTracker screenshot 1
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IOU - OweTracker screenshot 3
IOU - OweTracker screenshot 4
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IOU - OweTracker screenshot 6

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.

Friend - Make friends online#3

Friend - Make friends online by DMITRIY IVANOV

Give text support to strangers
Worth Considering
🌟 Lifestyle
4.5(20 ratings)
FreeAdsIn-App Purchases
Friend - Make friends online screenshot 1
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Friend - Make friends online screenshot 6

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.

More Iou Friend apps to explore

4
Payback: Debt & IOU Tracker
Payback: Debt & IOU Tracker
Payback: Debt & IOU Tracker
Money lent to friends & family
Free
💰 Finance
(0)
5
Friend - Wearable Companion
Friend - Wearable Companion
Friend - Wearable Companion
by Friend Global, Inc.
Free

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
(115)
free
6
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
(67)
free with in-app purchases
7
IOU - Promise & Favor Tracker
IOU - Promise & Favor Tracker
IOU - Promise & Favor Tracker
Little promises for friends
Free
🌐 Social Networking
(0)
8
Splid – Split group bills
Splid – Split group bills
Splid – Split group bills
On vacation or with friends
Free

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
💰 Finance
(3.9K)
free with in-app purchases
9
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
10
Splittr - Expense Splitting
Splittr - Expense Splitting
Splittr - Expense Splitting
Split costs with friends
Free

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
💰 Finance
(612)
free with in-app purchases
11
DebtMe: IOU & Debt Tracker
DebtMe: IOU & Debt Tracker
DebtMe: IOU & Debt Tracker
Lend, Borrow, Loan & Interest
Free
💰 Finance
(0)
12
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
13
Brorow: Borrow & Lend
Brorow: Borrow & Lend
Brorow: Borrow & Lend
Split bills & track debts
Free
💰 Finance
(0)
14
Bill Splitter: SplitMyExpenses
Bill Splitter: SplitMyExpenses
Bill Splitter: SplitMyExpenses
Split expenses & receipts
Free

Effortlessly manage shared expenses for groups, couples, and trips. Scan receipts with AI, split bills flexibly, and simplify payments to ensure everyone knows who owes what. Track spending with insights and recurring bill reminders.

AI receipt itemizationFlexible bill splittingAutomatic debt simplification
💰 Finance
(45)
freemium
15
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
16
Dibs: Debt & IOU Tracker
Dibs: Debt & IOU Tracker
Dibs: Debt & IOU Tracker
Who owes who, made simple
Free
$0.99 | 100% OFF

Easily track who owes whom money and manage your debts. This app simplifies splitting group expenses, setting reminders for payments, and visualizing your financial balance with friends. It offers a private experience with no account or cloud storage required.

Track individual and group debtsSplit expenses evenly or with custom amountsSet payment reminders
💰 Finance
(1)
free with in-app purchases
17
PaySplit: Split Bills & Rent
PaySplit: Split Bills & Rent
PaySplit: Split Bills & Rent
Shared expenses made simple
Free

Easily track shared expenses like rent and trip costs with friends and roommates. This app offers a private way to settle debts, with no accounts or ads required. It helps you see clear balances and suggests the most efficient way to settle up.

Track group expensesClear balance visibilitySmart settlement suggestions
💰 Finance
(1)
freemium
18
Owe Book: Debt & IOU Tracker
Owe Book: Debt & IOU Tracker
Owe Book: Debt & IOU Tracker
Split bills & track who owes
Free
💰 Finance
(0)
19
Friendzy - Meet new people
Friendzy - Meet new people
Friendzy - Meet new people
Friendzy - Make new friends
Free
🌟 Lifestyle
(0)
20
Spliter - Split Bills & Rent
Spliter - Split Bills & Rent
Spliter - Split Bills & Rent
Group Expense Splitter & IOU
Free
💰 Finance
(0)

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 August 2026, with a 4.4-star average from 17 App Store ratings, and it's free to download.
Yes — 20 of the top iou friend apps we rank are free to download, including IOU: Split Receipts & Expense and IOU - OweTracker.
IOU: Split Receipts & Expense has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 242+ iou friend apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
IOU scans your receipt, itemizes each purchase, and allows you to assign items to individuals. It then automatically calculates each person's share, including tax and tip, ensuring accurate payment distribution.
IOU is available on iPhone, iPad, and Apple Vision Pro devices, offering a seamless experience across Apple's ecosystem.