Best Owe Apps

184+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

Finding the right owe app can be overwhelming with so many options. We've analyzed 184+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

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(976 ratings)
FreeAdsIn-App Purchases
#65in 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.

Who Owes Me - Payment Tracker#3

Who Owes Me - Payment Tracker by Roman Voglhuber

Remember debts & split costs
Worth Considering
💰 Finance
4.6😐(769 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

More Owe apps to explore

4
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs & Money Messages
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
(343)
free with in-app purchases
5
Owe: Debt Tracker & Planner
Owe: Debt Tracker & Planner
Owe: Debt Tracker & Planner
Keep Track of Debt Payoff Plan
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
(3)
free with in-app purchases
6
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
(62)
free with in-app purchases
7
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
(271)
free with in-app purchases
8
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
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
Bills Organizer & Reminder
Bills Organizer & Reminder
Bills Organizer & Reminder
Bill Manager and Bill Monitor
Free

Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

Bill tracking and managementCustomizable payment remindersRecurring and one-time bill setup
💰 Finance
(22K)
free with in-app purchases
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
(368K)
free with in-app purchases
12
iOweYou: Debt Tracker
iOweYou: Debt Tracker
iOweYou: Debt Tracker
by Nikolai Nobadi
Free
💰 Finance
(0)
13
How Much Do I Owe?
How Much Do I Owe?
How Much Do I Owe?
by Sharif Doghmi
Free

Effortlessly split restaurant bills, including tax and tip, proportionally based on individual order sizes. Ensures fair repayment to the host and prevents over or underpayment. Also useful for itemized shopping receipts and travel expenses.

Proportional tax and tip splittingFair bill division based on order sizeAccurate repayment calculation
🔧 Utilities
(10)
free
14
OWE-CSA
OWE-CSA
OWE-CSA
by Victor Alarcon
Free
📚 Education
(0)
15
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
16
You Owe You
You Owe You
You Owe You
by Agile Infoways
Free
💰 Finance
(0)
17
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

Debt eligibility analysisReduction request submissionStop collection calls
💰 Finance
(1.5K)
free with in-app purchases
18
Log of Owe
Log of Owe
Log of Owe
Personal Owe Tracker
Free
🔧 Utilities
(0)
19
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
20
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

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