Best You Owe You Apps

240+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 2026

With an average user rating of 4.5★, the you owe you category is one of the App Store's strongest. Browse all 240+ apps we track, sorted so the most loved ones surface first.

Compare top You Owe You Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1You Owe YouYou Owe YouFree—NoNoMay 2026
2Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.5★ (357)NoYesNov 2026
3You OweYou OweFree—NoYesJul 2026
4iOweYou: Debt TrackeriOweYou: Debt TrackerFree—YesNoSep 2026
5Owemint - You Owe MeOwemint - You Owe MeFree4.6★ (7)NoYesOct 2026
6OweYou - Money That's YoursOweYou - Money That's YoursFree4.6★ (1.4K)YesYesOct 2026
7Debt Tracker: Who Owes Me?Debt Tracker: Who Owes Me?Free4.8★ (67)YesYesOct 2026
8What Do I Owe You?What Do I Owe You?Free5.0★ (1)NoNoOct 2026

Top Picks for You Owe You

Loan Tracker: You Owe Me#2

Loan Tracker: You Owe Me by IEVGENII IABLONSKYI

IOUs, Bills & Repayment Plans
Strong Contender
💰 Finance
4.5😊(357 ratings)
FreeIn-App Purchases
Loan Tracker: You Owe Me screenshot 1
Loan Tracker: You Owe Me screenshot 2
Loan Tracker: You Owe Me screenshot 3
Loan Tracker: You Owe Me screenshot 4
Loan Tracker: You Owe Me screenshot 5
Loan Tracker: You Owe Me screenshot 6

Easily track who owes what, from casual IOUs to complex loans with flexible repayment plans. Manage individual balances, set reminders, and share clear statements or live links without requiring the recipient to install the app.

What We Love

  • 👍 Simple and easy to use
  • 📈 Keeps records organized
  • 💡 Developer is receptive to ideas
  • ✨ Improvements and adjustments made
  • 💰 Ability to add interest
  • 🔄 Recurring charge function helpful
  • 👨‍👩‍👧‍👦 Great for family loans
  • 🎯 Reminders and letters effective
  • 💯 Highly recommended by users
  • 🚀 Smooth app performance
  • 🤝 Responsive and helpful developer
  • ✅ Intuitive interface
  • 🧮 Tracks loans and debts
  • 📂 Flexible editing of entries
  • 🌟 Fills a much-needed niche

Room to Improve

  • 🐛 Total owed calculation incorrect
  • 🐛 App freezes after data entry
  • 🐛 Data loss after updates/reinstalls
  • 🐛 Unable to see past entry details
  • 🐛 App not working after purchase
  • 🐛 UI is outdated and not intuitive
  • 🐛 In-app purchase issues
  • 🐛 Date selection off-screen
  • 🐛 Edits and save buttons not working
  • 🐛 Entries swapping categories
  • 🐛 Can't add more people after update
  • 🐛 Currency not showing
  • 🐛 No iPad support
  • 🐛 Can't add/subtract as running list
  • 🎨 UI is too gray

More You Owe You apps to explore

FAQ about You Owe You

Are there free you owe you apps for iPhone?
Yes — 20 of the top you owe you apps we rank are free to download, including You Owe You and Loan Tracker: You Owe Me.
You Owe You has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 240+ you owe you apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.