Best You Owe You Apps

209+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

With an average user rating of 4.6★, the you owe you category is one of the App Store's strongest. Browse all 209+ apps we track, sorted so the most loved ones surface first.

Top Picks for You Owe You

Loan Tracker: You Owe Me#1

Loan Tracker: You Owe Me by IEVGENII IABLONSKYI

IOUs & Money Messages
Editor's Choice
💰 Finance
4.5(343 ratings)
FreeIn-App Purchases
Loan Tracker: You Owe Me screenshot 1
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Loan Tracker: You Owe Me screenshot 4
Loan Tracker: You Owe Me screenshot 5
Loan Tracker: You Owe Me screenshot 6

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.

Who Owes Me - Payment Tracker#2

Who Owes Me - Payment Tracker by Roman Voglhuber

Remember debts & split costs
Strong Contender
💰 Finance
4.6😐(769 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

More You Owe You apps to explore

4
OweYou - Money That's Yours
OweYou - Money That's Yours
OweYou - Money That's Yours
Class Action Settlements
Free

Easily discover and file claims for unclaimed class action settlement money. This app simplifies the process, allowing users to answer a few questions, get matched with eligible settlements, and track their payouts without needing legal expertise.

Find eligible class action settlementsFile claims in secondsTrack settlement payouts
💰 Finance
(976)
free with in-app purchases
5
YouOwe
YouOwe
YouOwe
by Deval Parikh
Free

Easily track money borrowed between friends with a simple interface. Add up to six users and manage transfers. Future updates will include reminders and banking app integration.

Track borrowed moneyAdd up to 6 usersTransfer money records
🔧 Utilities
(6)
free
6
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
(116)
free with in-app purchases
7
Owemint - You Owe Me
Owemint - You Owe Me
Owemint - You Owe Me
Track IOUs & Money Owed to You
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
(4)
freemium
8
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
💰 Finance
(6.7K)
free with in-app purchases
9
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
(271)
free with in-app purchases
10
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.6K)
free with in-app purchases
11
iOweYou: Debt Tracker
iOweYou: Debt Tracker
iOweYou: Debt Tracker
by Nikolai Nobadi
Free
💰 Finance
(0)
12
Sleep Cycle - Tracker & Sounds
Sleep Cycle - Tracker & Sounds
Sleep Cycle - Tracker & Sounds
Alarm Clock & Snore Recorder
Free

This app uses sound analysis to track sleep patterns, identify potential issues, and build healthier sleep routines. It features an AI sleep coach, a smart alarm to wake you gently, and tools to record snoring and sleep talking.

AI sleep coachSmart Alarm clockSleep pattern tracking
💪 Health & Fitness
(26K)
free with in-app purchases
13
What Do I Owe You?
What Do I Owe You?
What Do I Owe You?
A simple way to split the bill
Free
💰 Finance
(0)
14
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
(62)
free with in-app purchases
15
RISE: Sleep Tracker
RISE: Sleep Tracker
RISE: Sleep Tracker
Better Health, Focus & Habits
Free

This app helps you improve sleep and energy levels by tracking sleep debt and circadian rhythms. It offers personalized recommendations, guided meditations, and smart alarms based on sleep science.

Sleep debt calculationEnergy level trackingCircadian rhythm insights
💪 Health & Fitness
(61K)
free with in-app purchases
16
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
17
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Bill Organizer & Tracker
Free
💰 Finance
(0)
18
Loan & Debt Tracker
Loan & Debt Tracker
Loan & Debt Tracker
Debt-free journey
Free

Manage all your debts and loans in one place. Track money owed to you and money you owe to others, with clear overviews of balances and due dates. Achieve financial freedom with tools to help you stay organized and motivated.

Track borrowed and lent moneyManage student loans, credit cards, and personal debtsClear overview of balances and due dates
💼 Business
(2)
free
19
PayMe - Claim Your Money
PayMe - Claim Your Money
PayMe - Claim Your Money
Class Action Claims Simplified
Free

Discover and claim money you're owed from forgotten accounts, company settlements, and overpaid bills. This app uses AI to find potential claims and connects you with experts to negotiate lower rates, helping you recover lost funds and save money effortlessly.

AI-powered settlement matchingExpert bill negotiationUnclaimed property search
💰 Finance
(35K)
free with in-app purchases
20
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