Best Ious Apps

165+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

From beginner-friendly picks to power-user tools, our ious list covers 165+ iPhone apps updated through August 2026. Compare ratings, prices, and screenshots in one place.

Compare top Ious Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OweTrack - Keep Track of IOUsOweTrack - Keep Track of IOUsFreeNoJul 2026
2Reclaim: Split Bills & IOUsReclaim: Split Bills & IOUsFree5.0★ (4)NoYesJul 2026
3The Ledger: Friend IOUsThe Ledger: Friend IOUsFreeNoNoMay 2026
4Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (349)NoYesAug 2026
5Ledger Book: Debt TrackerLedger Book: Debt TrackerFree5.0★ (4)YesYesAug 2026
6Debt & IOU TrackerDebt & IOU TrackerFreeNoYesJul 2026
7Sudeb — Debt & IOU TrackerSudeb — Debt & IOU TrackerFreeNoYesJun 2026
8Debt Manager: Debt TrackerDebt Manager: Debt TrackerFreeYesYesAug 2026

Top Picks for Ious

More Ious apps to explore

4
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs, Bills & Repayment Plans
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
(349)
free with in-app purchases
5
Ledger Book: Debt Tracker
Ledger Book: Debt Tracker
Ledger Book: Debt Tracker
Manage client accounts & IOUs
Free

This app is a digital ledger for managing client accounts, debts, and payments. It offers features like PDF statement generation, offline data storage for privacy, and secure backups. It aims to be a fast and accurate financial assistant for businesses and individuals.

Client and debt managementGenerate PDF statementsOffline-first privacy
💰 Finance
(4)
free with in-app purchases
6
Debt & IOU Tracker
Debt & IOU Tracker
Debt & IOU Tracker
Track IOUs & Due Dates
Free
💰 Finance
(0)
7
Sudeb — Debt & IOU Tracker
Sudeb — Debt & IOU Tracker
Sudeb — Debt & IOU Tracker
Payables and Receivables
Free

Manage your financial obligations with this app. Track who owes you money and who you owe money to, with support for multiple currencies. Future updates will include calendar reminders and summary views.

Track receivablesTrack payablesMultiple currencies
📊 Productivity
(0)
free with in-app purchases
8
Debt Manager: Debt Tracker
Debt Manager: Debt Tracker
Debt Manager: Debt Tracker
Track IOUs & get paid back
Free
💰 Finance
(0)
9
IUP Guidebook
IUP Guidebook
IUP Guidebook
by IUP Research Institute
Free
💼 Business
(0)
10
Clero: Debt & Sub Tracker
Clero: Debt & Sub Tracker
Clero: Debt & Sub Tracker
Track Debts, IOUs & Subs
Free
💰 Finance
(0)
11
Who Owes Me - LentPal
Who Owes Me - LentPal
Who Owes Me - LentPal
Track personal debts & IOUs
Free

Easily track personal loans and casual debts with friends, family, or coworkers. Log every loan or IOU in seconds, get clear summaries of all balances, and receive reminders for payments. Avoid awkward money conversations and keep all your casual debts organized in one simple place.

Track loans instantlySmart balance overviewPayment reminders
💰 Finance
(6)
freemium
12
MyISU Experience
MyISU Experience
MyISU Experience
MyISU Portal
Free
📚 Education
(0)
13
DivvyUp Bill Splitting & More
DivvyUp Bill Splitting & More
DivvyUp Bill Splitting & More
Divide bills, manage IOUs
Free
🔧 Utilities
(0)
14
myUL
myUL
myUL
by University of Limerick
Free
📚 Education
(0)
15
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Debtly: Personal Debt Tracker
Track IOUs, Loans & Bills
Free
💰 Finance
(0)
16
MyCUI
MyCUI
MyCUI
by UCROO Pty Ltd
Free

This app provides students and employees with a centralized hub for campus life. Access student services, campus events, and essential resources like your digital ID and email.

Student services accessEvent information and check-inCampus resource directory
📚 Education
(13)
free
17
IOU - English
IOU - English
IOU - English
by Islamic Online University
Free
📚 Education
(0)
18
IUIU Mobile Ultimate
IUIU Mobile Ultimate
IUIU Mobile Ultimate
by ISLAMIC UNIVERSITY IN UGANDA
Free
📚 Education
(0)
19
Illinois State University
Illinois State University
Illinois State University
Official Illinois State app
Free

Access academic information, manage finances, and explore campus resources. Stay updated on news, events, and navigate campus with interactive maps. Connect with student organizations and manage dining and housing.

Access grades and class schedulesManage student accounts and financial aidView campus maps and transit routes
📚 Education
(20)
free
20
IUPUI Welcome 365
IUPUI Welcome 365
IUPUI Welcome 365
by Core-Apps LLC
Free

This app enhances student orientation and year-round engagement by connecting students with peers, mentors, and faculty. It offers features like networking, campus maps, local place listings, event schedules, and real-time alerts.

Student networking and messagingInteractive campus mapsLocal Indianapolis map integration
🔍 Reference
(3)
free

FAQ about Ious

Are there free ious apps for iPhone?
Yes — 20 of the top ious apps we rank are free to download, including OweTrack - Keep Track of IOUs and Reclaim: Split Bills & IOUs.
OweTrack - Keep Track of IOUs has no in-app purchases, according to its App Store listing as of August 2026.
We track 165+ ious apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.

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