Best Who Owes Whom Apps

46+ iOS apps curated and reviewed

4.4 avg rating
19 free apps
Updated August 2026

Finding the right who owes whom apps can be overwhelming with so many options. We've analyzed 46+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Who Owes Whom Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Who owes WhomWho owes Whom$1.995.0★ (1)NoNoMay 2026
2WOW: Who Owes Whom RestaurantsWOW: Who Owes Whom RestaurantsFreeNoNoAug 2026
3WOW: Who Owes WhomWOW: Who Owes WhomFreeYesYesAug 2026
4Who Owes Me - OweListWho Owes Me - OweListFree2.7★ (3)YesYesAug 2026
5Debes: Who owes me? Do I owe?Debes: Who owes me? Do I owe?Free4.0★ (1)NoNoMay 2026
6Who Owes Me - LentPalWho Owes Me - LentPalFree3.7★ (6)NoYesAug 2026
7SplitCash: Split ExpensesSplitCash: Split ExpensesFree5.0★ (1)NoNoAug 2026
8CashSplit: Bill SplitterCashSplit: Bill SplitterFreeNoYesAug 2026

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
Who owes Whom screenshot 2
Who owes Whom screenshot 3
Who owes Whom screenshot 4
Who owes Whom screenshot 5
Who owes Whom screenshot 6

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 - 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
(3)
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 - 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
7
SplitCash: Split Expenses
SplitCash: Split Expenses
SplitCash: Split Expenses
Who owes whom? Settled!
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
CashSplit: Bill Splitter
CashSplit: Bill Splitter
CashSplit: Bill Splitter
Who pays whom, in seconds
Free
💰 Finance
(0)
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
(24)
free with in-app purchases
10
Должник - трекер долгов
Должник - трекер долгов
Должник - трекер долгов
Записывай кто и сколько должен
Free
💼 Business
(0)
11
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
12
tab.
tab.
tab.
Track who owes you & get paid
Free
💰 Finance
(0)
13
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
14
Lendfy
Lendfy
Lendfy
Simple personal debt tracker
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
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
17
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
18
Payback Balance Tracker
Payback Balance Tracker
Payback Balance Tracker
Track tabs with your friends
Free

Easily track debts and balances among friends without needing to exchange money. This app helps everyone know who owes whom, simplifying shared expenses and reimbursements.

Track balances between friendsLog what you owe othersLog what others owe you
💰 Finance
(10)
free
19
List of debtors
List of debtors
List of debtors
by Vladyslav Lytvynets
Free
💰 Finance
(0)
20
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
IOU – Due & Lend Tracker
Track Money You Owe & Lend
Free
💰 Finance
(0)

FAQ about Who Owes Whom

What are the best who owes whom apps for iPhone?
Who owes Whom tops our who owes whom apps ranking as of August 2026, with a 5.0-star average from 1 App Store ratings, and it's priced at $1.99.
Yes — 19 of the top who owes whom apps we rank are free to download, including WOW: Who Owes Whom Restaurants and WOW: Who Owes Whom.
Who owes Whom has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 46+ who owes whom apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Who owes Whom prioritizes user privacy and security. It does not require an account and works offline, meaning your financial data is stored locally on your device and not transmitted to external servers.
Who owes Whom is a paid app, available for a one-time purchase of $1.99. It does not support in-app purchases or subscriptions.

Related searches