Best Who Owes Me Apps

105+ iOS apps curated and reviewed

4.3 avg rating
19 free apps
Updated August 2026

If you already know Who Owes Me, this is the deeper bench. 105+ who owes me apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of August 2026.

Compare top Who Owes Me Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who Owes Me - Payment TrackerWho Owes Me - Payment TrackerFree4.6★ (788)NoYesAug 2026
2Who Owes Me - OweListWho Owes Me - OweListFree2.7★ (3)YesYesAug 2026
3Who Owes Me - LentPalWho Owes Me - LentPalFree3.7★ (6)NoYesAug 2026
4OweMe - Debt TrackerOweMe - Debt TrackerFree4.7★ (322)NoYesAug 2026
5Debes: Who owes me? Do I owe?Debes: Who owes me? Do I owe?Free4.0★ (1)NoNoMay 2026
6Who Owes Me? – IOU & Debt LogWho Owes Me? – IOU & Debt LogFreeYesYesAug 2026
7Owemint - You Owe MeOwemint - You Owe MeFree5.0★ (5)NoYesAug 2026
8Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (349)NoYesAug 2026

Top Picks for Who Owes Me

Who Owes Me - Payment Tracker#1

Who Owes Me - Payment Tracker by Voglhuber

Remember debts, split expenses
Editor's Choice
💰 Finance
4.6😐(788 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
Who Owes Me - OweList#2

Who Owes Me - OweList by Akyno Apps

Track Who Owes You
Strong Contender
💰 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.

Who Owes Me - LentPal#3

Who Owes Me - LentPal by Alessandro Pace

Track personal debts & IOUs
Worth Considering
💰 Finance
3.7(6 ratings)
FreeIn-App Purchases
Who Owes Me - LentPal screenshot 1
Who Owes Me - LentPal screenshot 2
Who Owes Me - LentPal screenshot 3
Who Owes Me - LentPal screenshot 4

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.

More Who Owes Me apps to explore

4
OweMe - Debt Tracker
OweMe - Debt Tracker
OweMe - Debt Tracker
Keep track of your money
Free

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Track who owes you moneyReminders for unpaid debtsOverview of outstanding debts
🔧 Utilities
(322)
freemium
5
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
6
Who Owes Me? – IOU & Debt Log
Who Owes Me? – IOU & Debt Log
Who Owes Me? – IOU & Debt Log
Borrow, lend & split bills
Free

Easily track loans and manage outstanding debts from previous months. This finance app helps you stay organized and ensures you get paid back. It offers bug fixes for improved speed and stability.

Track loansManage outstanding debtsView pending transactions
💰 Finance
(0)
free with in-app purchases
7
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
8
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
9
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
(65)
free with in-app purchases
10
WOW: Who Owes Whom
WOW: Who Owes Whom
WOW: Who Owes Whom
Who Owes Whom
Free
💰 Finance
(0)
11
WOW: Who Owes Whom Restaurants
WOW: Who Owes Whom Restaurants
WOW: Who Owes Whom Restaurants
Who Owes Whom Restaurants
Free
💰 Finance
(0)
12
WhoPays: Settle Up
WhoPays: Settle Up
WhoPays: Settle Up
Bill splitter, who owes who
Free
💰 Finance
(0)
13
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
14
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Tracker: Personal Debts
Debt Manager: Who Owes Me?
Free

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Record who owes you moneyManage your own debtsDetailed debt data (amount, currency, payments)
💰 Finance
(57)
free with in-app purchases
15
Who owes Whom
Who owes Whom
Who owes Whom
Settle Up & Split Bills Fast
$1.99

Easily track group expenses, settle debts after games or meals, and split bills with customizable options. Features include receipt scanning, saving player profiles, and offline functionality.

Settle up points-based gamesSplit restaurant bills with tax/tipScan receipts to extract items
💰 Finance
(1)
paid
16
Banana Split, Bill & Expenses
Banana Split, Bill & Expenses
Banana Split, Bill & Expenses
Costs: Friends & Group
Free

Easily manage group expenses for trips and events. Track who paid for what and who owes whom, simplifying settlement. Supports over 120 currencies and allows sharing summaries via email.

Create eventsAdd participantsRecord expenses
💰 Finance
(209)
freemium
17
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Owe - Monthly expense tracker
Track what you owe or are owed
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
(4)
free with in-app purchases
18
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Keep track of your debts/loans
Free

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

Track debts and loansManage shared expensesAutomatic calculations
💰 Finance
(122)
free with in-app purchases
19
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
(299)
free with in-app purchases
20
Fairsplit: Split the Bill
Fairsplit: Split the Bill
Fairsplit: Split the Bill
Split expenses with friends
Free

Easily divide expenses among friends after group outings or trips. Simply scan receipts, assign items to individuals, and the app calculates who owes whom, generating a clear settlement report to share.

Scan bills with photosAssign items to individualsCalculate who owes whom
💰 Finance
(24)
free with in-app purchases

FAQ about Who Owes Me

What are the best who owes me apps for iPhone?
Who Owes Me - Payment Tracker tops our who owes me apps ranking as of August 2026, with a 4.6-star average from 788 App Store ratings, and it's free to download.
Yes — 19 of the top who owes me apps we rank are free to download, including Who Owes Me - Payment Tracker and Who Owes Me - OweList.
Who Owes Me - Payment Tracker has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 105+ who owes me apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app helps you remember who you owe money to and who owes you money. It allows you to track debts, split expenses with friends, and maintain an overview of your financial transactions with contacts.
Key features include remembering debts, splitting expenses, cloud synchronization between devices, support for over 155 currencies, part payments, marking debts as paid, exporting data, generating PDFs, and sending reminders via SMS or email.

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