Best Who Owes Whom Apps

25+ iOS apps curated and reviewed

4.5 avg rating
19 free apps
Updated May 2026

Finding the right who owes whom app can be overwhelming with so many options. We've analyzed 25+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Top Picks for Who Owes Whom

Who owes Whom#1

Who owes Whom by Stephen Milhoan

Settle Up & Split Bills Fast
Editor's Choice
💰 Finance
5.0(1 ratings)
$1.99
Who owes Whom screenshot 1
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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.

More Who Owes Whom apps to explore

4
Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Remember debts & split costs
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
(769)
free with in-app purchases
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 - 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
(2)
free with in-app purchases
7
SplitCash: Split Expenses
SplitCash: Split Expenses
SplitCash: Split Expenses
Group Expenses & Money Tracker
Free

Easily track and divide shared expenses for trips, dinners, and group purchases. The app automatically calculates who owes whom and allows for offline expense entry and multiple currency support.

Group expense trackingAutomatic debt calculationOffline expense entry
💰 Finance
(1)
free
8
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
(50)
free
9
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
(22)
free with in-app purchases
10
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
11
Pay Me Back!
Pay Me Back!
Pay Me Back!
Easy Payment Calculation
Free

Easily track and settle shared expenses with friends. Record event costs and get clear instructions on who owes whom, and how much. You can also mark payments as settled.

Record event expensesCalculate who owes whomSpecify payment amounts
🔧 Utilities
(3)
ad-supported
12
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
13
Должник - трекер долгов
Должник - трекер долгов
Должник - трекер долгов
Записывай кто и сколько должен
Free
💼 Business
(0)
14
My Tabz
My Tabz
My Tabz
Track money to give & receive
Free

Easily track money owed to or by friends, family, or businesses. This app acts as a digital tab to help you remember financial exchanges without needing bank details. It focuses solely on tracking debts and credits between individuals.

Track money borrowed and lentRecord amounts to collect from friendsMonitor refunds due
📊 Productivity
(1)
free
15
List of debtors
List of debtors
List of debtors
by Vladyslav Lytvynets
Free
💰 Finance
(0)
16
Owe Pay
Owe Pay
Owe Pay
Track Loans & Manage Debt
Free
💰 Finance
(0)
17
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
18
Log of Owe
Log of Owe
Log of Owe
Personal Owe Tracker
Free
🔧 Utilities
(0)
19
Lendfy
Lendfy
Lendfy
Simple personal debt tracker
Free
💰 Finance
(0)
20
Ethica Resolve
Ethica Resolve
Ethica Resolve
Manage your debt easily
Free
💰 Finance
(0)

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