Best Owe You Apps

57+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

From beginner-friendly picks to power-user tools, our owe you list covers 57+ iPhone apps updated through May 2026. Compare ratings, prices, and screenshots in one place.

Compare top Owe You Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OweYou - Money That's YoursOweYou - Money That's YoursFree4.6★ (1.4K)YesYesAug 2026
2PayMe - Claim Your MoneyPayMe - Claim Your MoneyFree4.8★ (35K)NoYesAug 2026
3InstagramInstagramFree4.7★ (29M)YesYesAug 2026
4Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
5You Owe YouYou Owe YouFreeNoNoMay 2026
6Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (349)NoYesAug 2026
7LendPal - Borrow & Lend Money + Items to FriendsLendPal - Borrow & Lend Money + Items to FriendsFree4.1★ (614)NoNoAug 2026
8IOUOIIOUOIFree3.6★ (7)NoNoMay 2026

Top Picks for Owe You

OweYou - Money That's Yours#1

OweYou - Money That's Yours by 404 Archive LLC

Class Action Settlements
Editor's Choice
💰 Finance
4.6(1.4K ratings)
FreeAdsIn-App Purchases
#94in 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.

PayMe - Claim Your Money#2

PayMe - Claim Your Money by Control. Alt. Delete. LLC

Settlements, Bills & Savings
Strong Contender
💰 Finance
4.8😞(35K ratings)
FreeIn-App Purchases
PayMe - Claim Your Money screenshot 1
PayMe - Claim Your Money screenshot 2
PayMe - Claim Your Money screenshot 3
PayMe - Claim Your Money screenshot 4
PayMe - Claim Your Money screenshot 5

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.

What We Love

  • 🤑 Easy money
  • 🤯 Crazy settlements

Room to Improve

  • 🚫 Scam/misleading
  • 🤖 Poor customer support
  • 🕰️ Slow/glitchy
Instagram#3

Instagram by Instagram, Inc.

Videos, creators & friends
Worth Considering
📷 Photo & Video
4.7😐(29M ratings)
FreeAdsIn-App Purchases
#2in Photo & Video
Instagram screenshot 1
Instagram screenshot 2
Instagram screenshot 3
Instagram screenshot 4
Instagram screenshot 5
Instagram screenshot 6

Connect with friends and discover new content through photos, videos, and short-form entertainment. Share your daily moments and life's highlights, or dive into personalized feeds based on your interests.

What We Love

  • 💕 Excellent way to connect with friends and family
  • 🌍 Ability to discover new content and accounts
  • 🎨 Great platform for artists and creators to showcase their work
  • 🤝 Helps small businesses promote their products

Room to Improve

  • 🐛 Frequent bugs and glitches
  • 🤖 Overly aggressive AI moderation leading to unfair account suspensions
  • 🔒 Poor customer support and lack of transparency around account issues

More Owe You apps to explore

4
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
5
You Owe You
You Owe You
You Owe You
by Agile Infoways
Free
💰 Finance
(0)
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
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
by Codemotion
Free

Easily track money and items lent or borrowed among friends, family, and roommates. Set reminders to ensure nothing is forgotten and settle debts with a simple swipe.

Track lent itemsTrack lent moneySet item reminders
💰 Finance
(614)
free
8
IOUOI
IOUOI
IOUOI
by Sucheta Khot
Free

Easily track all your borrowing and lending activities for both money and items. Assign monetary values, organize by category, and manage payments with due dates and reminder emails. Keep a history of all past transactions.

Track money and item borrowings/lendingsAssign monetary value to itemsOrganize by category
💰 Finance
(7)
free
9
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Bill Organizer & Tracker
Free
💰 Finance
(0)
10
My Debts
My Debts
My Debts
by Nikolas Burk
Free

Easily manage money lent to or borrowed from friends and family. Track payments, view history, and contact individuals directly from the app. Keep a clear overview of all outstanding debts and paid amounts.

Track money lent and borrowedAdd contacts from address bookRecord partial payments and history
💰 Finance
(1)
free
11
Owe Pay
Owe Pay
Owe Pay
Track Loans & Manage Debt
Free
💰 Finance
(0)
12
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
13
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
14
iOweYou: Debt Tracker
iOweYou: Debt Tracker
iOweYou: Debt Tracker
by Nikolai Nobadi
Free
💰 Finance
(0)
15
What Do I Owe You?
What Do I Owe You?
What Do I Owe You?
A simple way to split the bill
Free
💰 Finance
(0)
16
Paidly
Paidly
Paidly
by Paidly
Free
💰 Finance
(0)
17
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
18
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
19
Owe_Me
Owe_Me
Owe_Me
Track who owes you money
Free

Easily track debts and manage shared expenses. Communicate directly with users within the app, share photos, and stay organized with a clean interface. Unlock premium features and remove ads through a subscription.

Track who owes moneyManage shared expensesIn-app chat
💰 Finance
(1)
free with in-app purchases
20
You Owe
You Owe
You Owe
Shared Expenses & Bill Split
Free
💰 Finance
(0)

FAQ about Owe You

What are the best owe you apps for iPhone?
OweYou - Money That's Yours tops our owe you apps ranking as of May 2026, with a 4.6-star average from 1.4K App Store ratings, and it's free to download.
Yes — 20 of the top owe you apps we rank are free to download, including OweYou - Money That's Yours and PayMe - Claim Your Money.
OweYou - Money That's Yours shows ads and offers in-app purchases, according to its App Store listing as of May 2026.
We track 57+ owe you apps on the iOS App Store as of May 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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