Best Iou Tracker Apps

227+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Who Owes Me is the household name in iou tracker, but it's far from the only option. We track 227+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Iou Tracker Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (783)NoYesAug 2026
2PayMeLater Friend Debt TrackerPayMeLater Friend Debt TrackerFree4.7★ (65)NoYesAug 2026
3Payback - Debt & IOU TrackerPayback - Debt & IOU TrackerFreeNoYesJul 2026
4Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (121)NoYesAug 2026
5Diabetes Tracker by MyNetDiaryDiabetes Tracker by MyNetDiaryFree4.7★ (6K)NoYesAug 2026
6Gentler Streak Workout TrackerGentler Streak Workout TrackerFree4.7★ (8.8K)NoYesAug 2026
7tracker detecttracker detectFree4.6★ (8.4K)NoYesAug 2026
8CUBE TrackerCUBE TrackerFree4.8★ (6.4K)YesNoAug 2026

Top Picks for Iou Tracker

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
PayMeLater Friend Debt Tracker#2

PayMeLater Friend Debt Tracker by Nicovate Limited

Track debts and split bills
Strong Contender
💰 Finance
4.7(65 ratings)
FreeIn-App Purchases
PayMeLater Friend Debt Tracker screenshot 1
PayMeLater Friend Debt Tracker screenshot 2
PayMeLater Friend Debt Tracker screenshot 3
PayMeLater Friend Debt Tracker screenshot 4
PayMeLater Friend Debt Tracker screenshot 5
PayMeLater Friend Debt Tracker screenshot 6

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.

More Iou Tracker 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
(121)
free with in-app purchases
5
Diabetes Tracker by MyNetDiary
Diabetes Tracker by MyNetDiary
Diabetes Tracker by MyNetDiary
Blood glucose, sugar, carbs
Free

This app helps users manage diabetes by tracking blood glucose, food intake, exercise, and medications. It offers detailed analysis, personalized feedback, and support to improve diet and control blood sugar levels. Designed for various diabetes types, it aims to empower users in their health journey.

Comprehensive blood glucose trackingFood and carb tracking with barcode scannerExercise tracking with GPS
🏥 Medical
(6K)
free with in-app purchases
6
Gentler Streak Workout Tracker
Gentler Streak Workout Tracker
Gentler Streak Workout Tracker
Activity, Exercise & Health
Free

This app provides personalized fitness guidance that adapts to your daily capabilities, encouraging consistent movement without overexertion. It offers detailed sleep analysis, step tracking with trend overviews, and cycle-synced activity suggestions. Track workouts, manage intensity, and maintain your activity streak on your terms.

Personalized daily readiness assessmentFull sleep analysis and trendsCycle-synced activity suggestions
💪 Health & Fitness
(8.8K)
free with in-app purchases
7
tracker detect
tracker detect
tracker detect
find bluetooth device
Free

Easily locate lost Bluetooth devices like earbuds, smartwatches, and trackers. The app uses proximity indicators and vibrations to guide you closer to your missing items. Manage subscriptions through your Apple ID settings.

Locate AirPods, Apple Pencil, and Apple WatchFind Bluetooth devicesProximity percentage indicator
🔧 Utilities
(8.4K)
subscription
8
CUBE Tracker
CUBE Tracker
CUBE Tracker
by Cube Tracker LLC
Free

Locate everyday items, vehicles, pets, and more with small trackers and an intuitive app. View location history, set boundaries, and share tracker access with others. Find lost items by pinging them or use your tracker to locate your phone.

Nationwide GPS trackingBluetooth item findingLocation history and routes
📊 Productivity
(6.4K)
ad-supported
9
Gymatic Workout Tracker
Gymatic Workout Tracker
Gymatic Workout Tracker
Auto rep counting gym log
Free

This app automatically identifies exercises, counts repetitions, and logs workouts with advanced stats like heart rate, rest/work time, and velocity. It offers accurate calorie tracking and progress monitoring for various training types, including strength, HIIT, and cardio.

Automatic exercise identificationAutomatic repetition countingAdvanced workout statistics
💪 Health & Fitness
(1.9K)
free with in-app purchases
10
AirGuard - Tracking Protection
AirGuard - Tracking Protection
AirGuard - Tracking Protection
Find AirTags, SmartTags, Tile
Free

Detects and alerts you to unknown Bluetooth trackers like Samsung SmartTags and Tiles that may be following you. Scan your surroundings to find hidden devices and receive notifications if a tracker is detected multiple times in different locations, ensuring your privacy.

Detects unknown trackersReal-time notificationsScan surroundings for hidden devices
🔧 Utilities
(5.8K)
free
11
Nut - Smart Tracker
Nut - Smart Tracker
Nut - Smart Tracker
Easily Find, Never Lost!
Free

This app pairs with a smart tracker to help you locate misplaced items. It allows you to make the tracker beep, find your phone using the tracker, and receive alerts when your phone and tracker are disconnected. You can also share tracker access with others and view the last known location.

One-touch item findingSmart disconnection alertsPhone anti-lost feature
🌟 Lifestyle
(858)
free
12
Invoxia GPS
Invoxia GPS
Invoxia GPS
Tracker - Long Battery Life
Free

Monitor your valuables and loved ones with real-time tracking, anti-theft alerts, and geofencing. The app provides 24/7 monitoring, location history, and battery status for your GPS trackers.

Real-time vehicle and asset trackingAnti-theft tilt and motion alertsGeofencing with entry/exit notifications
🌟 Lifestyle
(814)
free with in-app purchases
13
Sports Tracker: Run Bike Hike
Sports Tracker: Run Bike Hike
Sports Tracker: Run Bike Hike
Plan, track & analyze workout
Free

Track over 90 sports with GPS, analyze performance, and discover new routes. Plan, save, and share your workouts, with voice feedback and auto-pause for seamless outdoor adventures and fitness tracking.

GPS tracking for 90+ sportsRoute discovery with heatmapsWorkout planning and sharing
💪 Health & Fitness
(1.9K)
free with in-app purchases
14
FollowMee GPS Location Tracker
FollowMee GPS Location Tracker
FollowMee GPS Location Tracker
Track & Locate Mobile Devices
Free

This app transforms your device into a GPS tracker. Monitor the location of family, company devices, or employees through a web portal. Features include background tracking, geofencing, and an SOS button for emergencies.

GPS device conversionWeb-based location monitoringBackground tracking
✈️ Travel
(1.5K)
free with in-app purchases
15
Find My Friends Phone - iMapp
Find My Friends Phone - iMapp
Find My Friends Phone - iMapp
Family Link Location Tracker
Free

Locate friends and family members in real-time with this comprehensive tracking app. It offers device tracking, location history, geofencing alerts, and speed monitoring for safe driving. Stay connected and ensure the safety of your loved ones.

Real-time device trackingLocation history (60 days)Geofence alerts
🗺️ Navigation
(5.3K)
free with in-app purchases
16
Money manager, expense tracker
Money manager, expense tracker
Money manager, expense tracker
Money manager, expense tracker
Free

Easily track your expenses and income to gain control over your budget and finances. Visualize spending patterns with clear diagrams and detailed reports. Personalize categories, manage multiple currencies, and set payment reminders for better financial management.

Expense and income trackingBudget managementSpending pattern visualization
💰 Finance
(7.5K)
free with in-app purchases
17
Package Tracker - Packy
Package Tracker - Packy
Package Tracker - Packy
Package Delivery Tracking App
Free

This app provides a universal platform to track packages from over 1,500 carriers worldwide. It offers real-time status updates, delivery alerts, and a centralized dashboard for all your shipments. Never lose track of your orders again.

Universal package trackingSupports 1,500+ carriersReal-time status updates
💼 Business
(2.5K)
free with in-app purchases
18
FITIV Pulse - Workout Tracker
FITIV Pulse - Workout Tracker
FITIV Pulse - Workout Tracker
GLP-1, HRV, Heart Rate Zones
Free

This app is a comprehensive health and fitness tracker that monitors workouts, heart rate, sleep, and recovery. It provides actionable insights to help users train smarter and achieve their fitness goals.

Heart rate zone trainingHRV and recovery trackingSleep monitoring
💪 Health & Fitness
(13K)
free with in-app purchases
19
NotiSeen - Online Tracker
NotiSeen - Online Tracker
NotiSeen - Online Tracker
Online Tracker and Last Seen
Free

Monitor online activity and receive instant notifications for specific contacts. Track last seen times, duration of online presence, and access detailed historical reports. Supports multiple numbers and offers parental tracking capabilities.

Parental TrackingInstant NotificationsOnline and Offline Tracking
🌐 Social Networking
(63)
free with in-app purchases
20
Wesplit - IOU expense tracker
Wesplit - IOU expense tracker
Wesplit - IOU expense tracker
Easily settle shared expenses
Free

Easily track and settle shared expenses with friends and family. This app simplifies splitting bills for trips, roommates, or any group activity, ensuring everyone pays their fair share without awkward conversations.

AI-defined expense categoriesImage generation for groupsEasy cost split tracking
💰 Finance
(2)
free with in-app purchases

FAQ about Iou Tracker

What are the best iou tracker apps for iPhone?
Who Owes Me - Payment Tracker tops our iou tracker apps ranking as of July 2026, with a 4.6-star average from 783 App Store ratings, and it's free to download.
Yes — 20 of the top iou tracker apps we rank are free to download, including Who Owes Me - Payment Tracker and PayMeLater Friend Debt Tracker.
Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 227+ iou tracker apps on the iOS App Store as of July 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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