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Best Money Owed Apps

178+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Who Owes Me is the household name in money owed, but it's far from the only option. We track 178+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Money Owed Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
2owedowedFree4.6★ (52)NoNoAug 2026
3SplitwiseSplitwiseFree4.0★ (27K)NoYesAug 2026
4OweMe - Debt TrackerOweMe - Debt TrackerFree4.7★ (322)NoYesAug 2026
5PayMe - Claim Your MoneyPayMe - Claim Your MoneyFree4.8★ (35K)NoYesAug 2026
6Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (349)NoYesAug 2026
7Settlemate: Claim SavingsSettlemate: Claim SavingsFree4.8★ (73K)YesYesAug 2026
8Debty - Private Debt TrackerDebty - Private Debt TrackerFree4.8★ (122)NoYesAug 2026

Top Picks for Money Owed

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
owed#2

owed by Josh Gdovin

money mangement made easy!
Strong Contender
💰 Finance
4.6(52 ratings)
Free
owed screenshot 1
owed screenshot 2
owed screenshot 3
owed screenshot 4
owed screenshot 5
owed screenshot 6

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Splitwise#3

Splitwise by Splitwise, Inc.

Split expenses with friends
Worth Considering
💰 Finance
4.0😊(27K ratings)
FreeIn-App Purchases
#31in Finance
Splitwise screenshot 1
Splitwise screenshot 2
Splitwise screenshot 3
Splitwise screenshot 4
Splitwise screenshot 5

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.

What We Love

  • 🚀 Simplifies splitting expenses
  • 👍 Easy to use and intuitive
  • 💡 Helpful for group trips and shared living
  • 🚀 Convenient payment integration

Room to Improve

  • 🐛 Confusing settle up process
  • 🐛 Inaccurate receipt scanning
  • 💰 Subscription model too expensive

More Money Owed apps to explore

4
OweMe - Debt Tracker
OweMe - Debt Tracker
OweMe - Debt Tracker
Keep track of your money
Free

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Track who owes you moneyReminders for unpaid debtsOverview of outstanding debts
🔧 Utilities
(322)
freemium
5
PayMe - Claim Your Money
PayMe - Claim Your Money
PayMe - Claim Your Money
Settlements, Bills & Savings
Free

Discover and claim money you're owed from forgotten accounts, company settlements, and overpaid bills. This app uses AI to find potential claims and connects you with experts to negotiate lower rates, helping you recover lost funds and save money effortlessly.

AI-powered settlement matchingExpert bill negotiationUnclaimed property search
💰 Finance
(35K)
free with in-app purchases
6
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
7
Settlemate: Claim Savings
Settlemate: Claim Savings
Settlemate: Claim Savings
settlements, savings, and more
Free

Discover unclaimed money from class action settlements. Easily check your eligibility, file claims without a lawyer, and track your payouts. Get alerts for new opportunities to claim what's rightfully yours.

Find eligible claims instantlyFile claims without a lawyerTrack refunds and payouts
💰 Finance
(73K)
subscription
8
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
(122)
free with in-app purchases
9
OweYou - Money That's Yours
OweYou - Money That's Yours
OweYou - Money That's Yours
Class Action Settlements
Free

Easily discover and file claims for unclaimed class action settlement money. This app simplifies the process, allowing users to answer a few questions, get matched with eligible settlements, and track their payouts without needing legal expertise.

Find eligible class action settlementsFile claims in secondsTrack settlement payouts
💰 Finance
(1.4K)
free with in-app purchases
10
iClaim - Free Money
iClaim - Free Money
iClaim - Free Money
Claim Hundreds of Dollars
Free

Discover and claim money you're owed, such as refunds, settlement payouts, and unclaimed funds. The app simplifies the process of filing claims and tracks their progress, ensuring you don't miss out on opportunities.

Find eligible claimsFile claims easilyTrack claim progress
🔧 Utilities
(170)
free
11
PayoutFinder: Unclaimed Money
PayoutFinder: Unclaimed Money
PayoutFinder: Unclaimed Money
Find money you’re owed now
Free

Discover unclaimed money from class action settlements you may be owed. Easily file claims in minutes and track them all in one place. Get alerts for new opportunities to receive payouts.

Find unclaimed settlement moneyFile claims in under 3 minutesTrack all filed claims
💰 Finance
(26)
subscription
12
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
💰 Finance
(7.2K)
free with in-app purchases
13
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
14
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Track what you owe or are owed
Free

This app helps you manage personal finances by tracking who owes you money and who you owe. It simplifies budgeting and ensures you never miss payment deadlines. Visualize your finances with list or calendar views and stay informed with a convenient homepage widget.

Track one-off paymentsManage recurring paymentsFilter payments by status/type
💰 Finance
(4)
free with in-app purchases
15
My debts manager
My debts manager
My debts manager
manage your debts and loans
Free

Easily track money lent and borrowed between friends, family, or clients. Manage personal finances, record transactions, and receive timely repayment reminders. Secure your financial data with password protection and automatic backups.

Simplified loans and borrowing trackingCredit tracking for transactionsPersonalized repayment alerts
💼 Business
(56)
subscription
16
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Manager: Who Owes Me?
Free

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Record who owes you moneyManage your own debtsDetailed debt data (amount, currency, payments)
💰 Finance
(60)
free with in-app purchases
17
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
18
GetOwed:Claim Your Money
GetOwed:Claim Your Money
GetOwed:Claim Your Money
Find & Claim Unclaimed Money
Free

Discover and claim class action settlements you're eligible for. This app automatically matches you against open settlements based on your purchase history, simplifying the process of getting money owed to you.

Find class action settlementsClaim money owed to youTrack open settlements
💰 Finance
(70)
free with in-app purchases
19
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Fast money between paydays
Free

Access quick cash advances up to $150 without interest, credit checks, or late fees. Track spending, manage budgets, and receive overdraft alerts. The app also helps identify and cancel recurring subscriptions and offers access to credit and debt management tools.

Cash advance up to $150No interest or credit checkSpending tracking
💰 Finance
(122K)
free with in-app purchases
20
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

This app helps you get out of debt faster by implementing popular payoff strategies like Snowball and Avalanche. Track multiple debts, set payment schedules, and monitor your progress to save money on interest and become debt-free sooner.

Add multiple debtsChoose repayment frequencyTrack payments
💰 Finance
(1.3K)
free with in-app purchases

FAQ about Money Owed

What are the best money owed apps for iPhone?
Who Owes Me - Payment Tracker tops our money owed apps ranking as of June 2026, with a 4.6-star average from 788 App Store ratings, and it's free to download.
Yes — 20 of the top money owed apps we rank are free to download, including Who Owes Me - Payment Tracker and owed.
Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of June 2026.
We track 178+ money owed apps on the iOS App Store as of June 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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