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.


30+ iOS apps curated and reviewed
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.
| # | App | Price | Rating | Ads | In-App Purchases | Updated |
|---|---|---|---|---|---|---|
| 1 | Free | — | No | No | May 2026 | |
| 2 | Free | 4.0★ (1) | No | No | May 2026 | |
| 3 | Free | 2.7★ (3) | Yes | Yes | Aug 2026 | |
| 4 | Free | 5.0★ (5) | No | Yes | Aug 2026 | |
| 5 | Free | — | No | No | May 2026 | |
| 6 | Free | — | No | No | Jul 2026 | |
| 7 | Free | — | Yes | No | May 2026 | |
| 8 | Free | — | No | No | Aug 2026 |








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.






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.


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.










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.


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.


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.




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.




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.




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.




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.


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.