Best What Do I Owe You? Apps

30+ iOS apps curated and reviewed

4.2 avg rating

20 free apps

Updated September 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 (September 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	What Do I Owe You?	Free	—	No	No	May 2026
2	Owe Pay	Free	—	Yes	No	May 2026
3	Debes: Who owes me? Do I owe?	Free	4.0★ (1)	No	No	May 2026
4	Log of Owe	Free	—	No	No	May 2026
5	Owemint - You Owe Me	Free	5.0★ (5)	No	Yes	Sep 2026
6	Owesy	Free	5.0★ (11)	No	No	May 2026
7	Pay Up Sucka	Free	5.0★ (1)	No	No	Jul 2026
8	Owy	Free	5.0★ (1)	No	No	May 2026

Top Picks for What Do I Owe You?

#1

What Do I Owe You? by Johnathan Terranova

A simple way to split the bill

Editor's Choice

💰 Finance

0.0(0 ratings)

Free

What Do I Owe You? screenshot 1

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#2

Owe Pay by YASA ENTERPRISE INC

Track Loans & Manage Debt

Strong Contender

💰 Finance

0.0(0 ratings)

FreeAds

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Owe Pay screenshot 5

Owe Pay screenshot 6

#3

Debes: Who owes me? Do I owe? by Tomas Chyly

Worth Considering

💰 Finance

4.0(1 ratings)

Free

Debes: Who owes me? Do I owe? screenshot 1

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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.

More What Do I Owe You? apps to explore

Personal Owe Tracker

Owemint - You Owe Me

Owemint - You Owe Me

Owemint - You Owe Me

Money Owed & Debt Tracker

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

by Jacob Loeterman

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

Suckas never get away with it

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

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

Debtio – Track What You Owe

Debtio – Track What You Owe

Debtio – Track What You Owe

Organize loans and payments

Split AI - What do I owe?

Split AI - What do I owe?

Split AI - What do I owe?

by ProductShake, LLC

Manage Your Owings

Track who owes you & get paid

IOU - OweTracker

IOU - OweTracker

IOU - OweTracker

Who Owes Me - Debt Tracker

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

Who Owes Me - OweList

Who Owes Me - OweList

Who Owes Me - OweList

Track Who Owes You

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

free with in-app purchases

Make My Payment

Make My Payment

Make My Payment

Payment Reminder App

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

Who Owes Me - LentPal

Who Owes Me - LentPal

Who Owes Me - LentPal

Track personal debts & IOUs

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

by joshua black

Owey - IOU & Debt Tracker

Owey - IOU & Debt Tracker

Owey - IOU & Debt Tracker

Track loans, debts & remind

Easily track who owes you money or items, and what you owe others. Log loans in seconds, get timely reminders, and settle debts without awkward conversations. It's a simple, pleasant way to manage your personal lending and borrowing.

Log loans in 10 secondsTrack money and objectsOverdue and upcoming item overview

Track your debts easily

All debts in your pocket

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 Owe Pay.

Does What Do I Owe You? have ads or in-app purchases?

What Do I Owe You? has no ads and has no in-app purchases, according to its App Store listing as of September 2026.

How many what do i owe you? apps are on the App Store?

We track 30+ what do i owe you? apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.