Best Owe Apps

198+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

Finding the right owe apps can be overwhelming with so many options. We've analyzed 198+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Owe Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OweYou - Money That's YoursOweYou - Money That's YoursFree4.6★ (1.3K)YesYesAug 2026
2OweMe - Debt TrackerOweMe - Debt TrackerFree4.7★ (289)YesYesAug 2026
3Owe - Monthly expense trackerOwe - Monthly expense trackerFree1.8★ (4)YesYesAug 2026
4OweMate - IOU & Debt TrackerOweMate - IOU & Debt TrackerFree5.0★ (1)YesYesAug 2026
5IOU - OweTrackerIOU - OweTrackerFree5.0★ (2)NoYesAug 2026
6Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
7Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (347)NoYesAug 2026
8PayMeLater Friend Debt TrackerPayMeLater Friend Debt TrackerFree4.7★ (65)NoYesAug 2026

Top Picks for Owe

OweYou - Money That's Yours#1

OweYou - Money That's Yours by 404 Archive LLC

Class Action Settlements
Editor's Choice
💰 Finance
4.6(1.3K ratings)
FreeAdsIn-App Purchases
#43in Finance
OweYou - Money That's Yours screenshot 1
OweYou - Money That's Yours screenshot 2
OweYou - Money That's Yours screenshot 3

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.

OweMe - Debt Tracker#2

OweMe - Debt Tracker by Air Apps Systems

Keep track of your money
Strong Contender
🔧 Utilities
4.7(289 ratings)
FreeAdsIn-App Purchases
OweMe - Debt Tracker screenshot 1
OweMe - Debt Tracker screenshot 2
OweMe - Debt Tracker screenshot 3
OweMe - Debt Tracker screenshot 4

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.

Owe - Monthly expense tracker#3

Owe - Monthly expense tracker by Andy Dobson

Track what you owe or are owed
Worth Considering
💰 Finance
1.8(4 ratings)
FreeAdsIn-App Purchases
Owe - Monthly expense tracker screenshot 1
Owe - Monthly expense tracker screenshot 2
Owe - Monthly expense tracker screenshot 3
Owe - Monthly expense tracker screenshot 4
Owe - Monthly expense tracker screenshot 5

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.

More Owe apps to explore

4
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
(1)
free with in-app purchases
5
IOU - OweTracker
IOU - OweTracker
IOU - OweTracker
Who Owes Me - Debt Tracker
Free

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.

Track money lent, borrowed, and owedFilter debts owed to you vs. money you oweView balances, payment history, and upcoming charges
💰 Finance
(2)
freemium
6
Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Remember debts, split expenses
Free

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.

Track debts and IOUsSplit expensesCloud sync across devices
💰 Finance
(788)
free with in-app purchases
7
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
(347)
free with in-app purchases
8
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
(65)
free with in-app purchases
9
Debes: Who owes me? Do I owe?
Debes: Who owes me? Do I owe?
Debes: Who owes me? Do I owe?
by Tomas Chyly
Free

Easily track who owes you money or what you owe others. Organize debts by creating people and assigning items to them. This app works entirely offline for complete privacy and convenience.

Manage who owes you moneyTrack what you owe othersOrganize debts with items
💰 Finance
(1)
free
10
YaOweMe
YaOweMe
YaOweMe
by Jens Jorgensen
Free
📊 Productivity
(0)
11
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses
💰 Finance
(377K)
free with in-app purchases
12
owed
owed
owed
money mangement made easy!
Free

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.

Track multiple debts per personUse contacts to add peopleSet notifications
💰 Finance
(50)
free
13
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Debt & Bill Tracker – Saldo
Payments Planner & Reminder
Free

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
💼 Business
(293)
free with in-app purchases
14
YouOwe
YouOwe
YouOwe
by Deval Parikh
Free

Easily track money borrowed between friends with a simple interface. Add up to six users and manage transfers. Future updates will include reminders and banking app integration.

Track borrowed moneyAdd up to 6 usersTransfer money records
🔧 Utilities
(6)
free
15
OWE您的韓國醫美保養專家
OWE您的韓國醫美保養專家
OWE您的韓國醫美保養專家
by Blooming beauty medical CO., LTD.
Free

Access the latest Korean skincare information and exclusive offers. Features include an optimized interface, product browsing, shipping notifications, and real-time promotion alerts. Secure payment options and easy membership signup are also available.

Latest Korean beauty newsExclusive member offersOptimized user interface
🛍️ Shopping
(1)
ad-supported
16
IOweU by 2genio.us
IOweU by 2genio.us
IOweU by 2genio.us
Track belongings and tasks
Free

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.

Track money, items, favors, and tasksEither side can create IOUsFull IOU lifecycle management
📊 Productivity
(0)
ad-supported
17
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Bill Organizer & Tracker
Free
💰 Finance
(0)
18
OweNo - Split expenses
OweNo - Split expenses
OweNo - Split expenses
Group expenses, settle debts
Free
💰 Finance
(0)
19
Who Owes Me - OweList
Who Owes Me - OweList
Who Owes Me - OweList
Track Who Owes You
Free

Easily track money owed, borrowed, and personal debts in one organized place. Record debts, monitor repayments, and view balances for everyday situations like splitting bills or informal loans. Keep a clear log of all transactions without complex financial tools.

Track money owed and borrowedRecord partial repaymentsMonitor individual balances
💰 Finance
(3)
free with in-app purchases
20
Debts Break
Debts Break
Debts Break
Payoff Plan & Snowball Method
Free

This app helps you become debt-free using popular payoff strategies like the Snowball method. It offers visual tracking, detailed reports, and multiple payoff plans to manage your debts effectively and save on interest.

Debt payoff strategies (Snowball, Highest Interest, Lowest Balance, etc.)Visual debt tracking and progress monitoringAutomatic balance updates
💰 Finance
(96)
free with in-app purchases

FAQ about Owe

What are the best owe apps for iPhone?
OweYou - Money That's Yours tops our owe apps ranking as of July 2026, with a 4.6-star average from 1.3K App Store ratings, and it's free to download.
Yes — 20 of the top owe apps we rank are free to download, including OweYou - Money That's Yours and OweMe - Debt Tracker.
OweYou - Money That's Yours shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 198+ owe apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
OweYou helps users find and file claims for unclaimed money from class action settlements. It simplifies the process by asking a few quick questions, matching users with eligible settlements, and allowing them to track their payouts. The app aims to make it easy for everyday people to collect money from companies that have broken rules.
To file a claim, you'll need to answer a few quick questions within the app. Based on your answers, OweYou will match you with eligible settlements. You can then proceed to file your claims directly through the app, and track any payouts you are eligible for.

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