Best What Do I Owe You? Apps

30+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

What Do I Owe You? is the household name in what do i owe you?, but it's far from the only option. We track 30+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top What Do I Owe You? Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1What Do I Owe You?What Do I Owe You?FreeNoNoMay 2026
2Debes: Who owes me? Do I owe?Debes: Who owes me? Do I owe?Free4.0★ (1)NoNoMay 2026
3Who Owes Me - OweListWho Owes Me - OweListFree2.7★ (3)YesYesAug 2026
4Owemint - You Owe MeOwemint - You Owe MeFree5.0★ (5)NoYesAug 2026
5Log of OweLog of OweFreeNoNoMay 2026
6Должник - трекер долговДолжник - трекер долговFreeNoNoJul 2026
7Owe PayOwe PayFreeYesNoMay 2026
8OweTrackerOweTrackerFreeNoNoAug 2026

Top Picks for What Do I Owe You?

Who Owes Me - OweList#3

Who Owes Me - OweList by Akyno Apps

Track Who Owes You
Worth Considering
💰 Finance
2.7(3 ratings)
FreeAdsIn-App Purchases
Who Owes Me - OweList screenshot 1
Who Owes Me - OweList screenshot 2
Who Owes Me - OweList screenshot 3
Who Owes Me - OweList screenshot 4
Who Owes Me - OweList screenshot 5
Who Owes Me - OweList screenshot 6

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.

More What Do I Owe You? apps to explore

4
Owemint - You Owe Me
Owemint - You Owe Me
Owemint - You Owe Me
Money Owed & Debt Tracker
Free

This personal finance tool helps you manage money owed between people without spreadsheets or group chats. Easily track who owes what, record partial payments, and set due date reminders. Keep your debt records private and secure on your device.

Track money owed to and by youRecord partial paymentsSet and receive due date reminders
💰 Finance
(5)
freemium
5
Log of Owe
Log of Owe
Log of Owe
Personal Owe Tracker
Free
🔧 Utilities
(0)
6
Должник - трекер долгов
Должник - трекер долгов
Должник - трекер долгов
Записывай кто и сколько должен
Free
💼 Business
(0)
7
Owe Pay
Owe Pay
Owe Pay
Track Loans & Manage Debt
Free
💰 Finance
(0)
8
OweTracker
OweTracker
OweTracker
Track your debts easily
Free
💰 Finance
(0)
9
Owy
Owy
Owy
by Jordy Sinke
Free

Easily track what friends owe you with quick entry and automated reminders. Send a one-tap message to get your items back. Get your money or belongings returned efficiently.

Track items friends oweQuick item entryAutomated reminders
💰 Finance
(1)
free
10
Pay Up Sucka
Pay Up Sucka
Pay Up Sucka
Suckas never get away with it
Free

This app helps you get paid back for money owed by sending photo reminders. Capture the moment of debt and send persistent notifications until the payment is settled. It offers a lighthearted approach to a potentially awkward financial conversation.

Send photo remindersTrack outstanding paymentsLighthearted debt collection
💰 Finance
(1)
free
11
Owesy
Owesy
Owesy
by Jacob Loeterman
Free

Easily calculate shared expenses and group bills among friends. This app simplifies splitting costs for trips, dinners, and other group activities, ensuring everyone pays their fair share with minimal transactions.

Calculate complicated group tabsSplit costs evenly among groupsAdd multiple amounts per person
💰 Finance
(11)
free
12
Owingly
Owingly
Owingly
Manage Your Owings
Free
💰 Finance
(0)
13
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
14
List of debtors
List of debtors
List of debtors
by Vladyslav Lytvynets
Free
💰 Finance
(0)
15
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
(52)
free
16
tab.
tab.
tab.
Track who owes you & get paid
Free
💰 Finance
(0)
17
Make My Payment
Make My Payment
Make My Payment
Payment Reminder App
Free

This app helps you track and manage all your debts and payments. It automatically sends reminders via SMS and calls for upcoming due dates, allowing you to set multiple reminders and manage debtor/creditor details. You can also add bank information for easy online payments.

Track and manage all duesAutomated payment remindersSMS and call reminders
💼 Business
(3)
free
18
Split AI - What do I owe?
Split AI - What do I owe?
Split AI - What do I owe?
by ProductShake, LLC
Free
💰 Finance
(0)
19
Who Owes Me - LentPal
Who Owes Me - LentPal
Who Owes Me - LentPal
Track personal debts & IOUs
Free

Easily track personal loans and casual debts with friends, family, or coworkers. Log every loan or IOU in seconds, get clear summaries of all balances, and receive reminders for payments. Avoid awkward money conversations and keep all your casual debts organized in one simple place.

Track loans instantlySmart balance overviewPayment reminders
💰 Finance
(6)
freemium
20
Watheq: Digital Debt Contracts
Watheq: Digital Debt Contracts
Watheq: Digital Debt Contracts
Personal Loan Agreements
Free

This app provides a secure and transparent platform for documenting personal loans and shared debts between individuals. It facilitates the creation of legally robust agreements with virtual witnessing and real-time settlement tracking, all while strictly adhering to interest-free principles.

Create legally robust promissory notesVirtual witnessing for agreementsReal-time settlement tracking
💰 Finance
(1)
free with in-app purchases

FAQ about What Do I Owe You?

Are there free what do i owe you? apps for iPhone?
Yes — 20 of the top what do i owe you? apps we rank are free to download, including What Do I Owe You? and Debes: Who owes me? Do I owe?.
What Do I Owe You? has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 30+ what do i owe you? apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.