Best Ioweu Apps

192+ iOS apps curated and reviewed

4.4 avg rating

20 free apps

Updated June 2026

With an average user rating of 4.4★, the ioweu category is one of the App Store's strongest. Browse all 192+ apps we track, sorted so the most loved ones surface first.

Compare top Ioweu Apps (June 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	Who Owes Me - Payment Tracker	Free	4.6★ (783)	No	Yes	Jul 2026
2	IOweU by 2genio.us	Free	—	Yes	No	May 2026
3	IOU-Marker	Free	5.0★ (8)	Yes	No	Jul 2026
4	Saldo - Долги, Кредиты, Займы	Free	4.8★ (287)	No	Yes	Jul 2026
5	SoLo Funds: Lend & Borrow	Free	4.4★ (39K)	Yes	No	Jul 2026
6	Imou Life	Free	4.3★ (4.7K)	No	Yes	Jul 2026
7	Cash Lender - IOU & Loans	Free	4.3★ (131)	No	Yes	Jul 2026
8	Splitwise	Free	3.9★ (26K)	No	Yes	Jul 2026

Top Picks for Ioweu

#1

Who Owes Me - Payment Tracker by Voglhuber

Remember debts, split expenses

Editor's Choice

💰 Finance

4.6😐(783 ratings)

FreeIn-App Purchases

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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

#2

IOweU by 2genio.us by Franco Wankerl

Track belongings and tasks

Strong Contender

📊 Productivity

0.0(0 ratings)

FreeAds

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Easily track money owed, borrowed items, favors, and tasks between friends, family, or roommates. Both parties can create and manage IOUs, with options for rewards on chores. Stop forgetting and start tracking your shared obligations.

#3

IOU-Marker by IOU Marker

Agreements, e‑sign, payments

Worth Considering

💼 Business

5.0(8 ratings)

FreeAds

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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.

More Ioweu apps to explore

Saldo - Долги, Кредиты, Займы

Saldo - Долги, Кредиты, Займы

Учет долгов и кредитов онлайн

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

free with in-app purchases

SoLo Funds: Lend & Borrow

SoLo Funds: Lend & Borrow

Loans On Your Terms

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

Access up to $625 without credit checksEarn money by funding others' requestsAI-powered financial co-pilot (SoLo IQ)

free with in-app purchases

Imou Life, Enjoy Smart Life

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

free with in-app purchases

Cash Lender - IOU & Loans

Cash Lender - IOU & Loans

IOU & Loans/Payments Manager

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

Split expenses with friends

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

free with in-app purchases

Settle Up - Group Expenses

Settle Up - Group Expenses

by Step Up Labs, Inc.

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

free with in-app purchases

Cannopy Rewards

Cannopy Rewards

Scan. Earn. Redeem

This app consolidates loyalty programs from various brands, allowing users to earn and redeem rewards like free products and exclusive offers. It simplifies tracking points and accessing special deals from a network of participating companies.

Earn chips from participating brandsRedeem for free products and offersTrack rewards in real-time

🛍️ Shopping

Kīpaepae: Hawaiian Language

Kīpaepae: Hawaiian Language

‘Ōlelo Hawai‘i-Speak Hawaiian

Learn Hawaiian with over 400 vocabulary words, 700 practice sentences, and 100 everyday phrases. Features comprehension exercises, read-along books, and mini-lessons with progress tracking. Supports male or female voice options for practice.

Vocabulary and phrasesReading and listening comprehensionMini-lessons and quizzes

by IUP Research Institute

This app provides personalized access to academic information and university resources for students. It mirrors the MyIUP portal, offering seamless synchronization of schedules, grades, and advisor details across devices. Users can customize their dashboard for a tailored experience.

Personalized academic informationAccess to schedules and gradesAdvisor information

Obe - Split Group Bills & IOU

Obe - Split Group Bills & IOU

Scan receipts & track expenses

Effortlessly manage shared expenses with this AI-powered receipt scanner and bill splitter. Track group travel costs, roommate bills, or restaurant checks and settle up with friends in seconds. Enjoy an ad-free experience with no transaction limits.

AI receipt scannerItemized bill splittingGroup expense tracking

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 Money pending tracker

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

free with in-app purchases

by Islamic Online University

Sudeb — Debt & IOU Tracker

Sudeb — Debt & IOU Tracker

Payables and Receivables

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

free with in-app purchases

Wesplit - IOU expense tracker

Wesplit - IOU expense tracker

Easily settle shared expenses

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

free with in-app purchases

YouCinE Flix, Shows & Stars

YouCinE Flix, Shows & Stars

What To Watch? Night Movie

Discover, track, and explore movies and TV shows with detailed synopses, cast lists, and ratings. Find tailored suggestions, manage your watchlist, and stay updated on trending titles. Features an interactive way to explore actor filmographies.

Discover movies and TV showsTrack watchlistExplore cast and filmographies

free with in-app purchases

by Seasia Infotech Pvt. Ltd.

Quickly record and track money transactions between individuals and accounts. Maintain up-to-date credit and payment records for business conducted on credit. View and export account statements via email, WhatsApp, or text messages.

Record money transactionsTrack credit and paymentsView account statements

FAQ about Ioweu

What are the best ioweu apps for iPhone?

Who Owes Me - Payment Tracker tops our ioweu apps ranking as of June 2026, with a 4.6-star average from 783 App Store ratings, and it's free to download.

Are there free ioweu apps for iPhone?

Yes — 20 of the top ioweu apps we rank are free to download, including Who Owes Me - Payment Tracker and IOweU by 2genio.us.

Does Who Owes Me - Payment Tracker have ads or in-app purchases?

Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of June 2026.

How many ioweu apps are on the App Store?

We track 192+ ioweu apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.

What does Who Owes Me do?

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.

What are the key features of this debt tracker?

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.