Best You Owe You Apps

242+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.3★, the you owe you category is one of the App Store's strongest. Browse all 242+ apps we track, sorted so the most loved ones surface first.

Compare top You Owe You Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1You Owe YouYou Owe YouFreeNoNoMay 2026
2Loan Tracker: You Owe MeLoan Tracker: You Owe MeFree4.6★ (349)NoYesAug 2026
3iOweYou: Debt TrackeriOweYou: Debt TrackerFreeYesNoAug 2026
4Owemint - You Owe MeOwemint - You Owe MeFree5.0★ (5)NoYesAug 2026
5You OweYou OweFreeNoYesJul 2026
6What Do I Owe You?What Do I Owe You?FreeNoNoMay 2026
7What Do You Owe?What Do You Owe?Free5.0★ (4)NoYesMay 2026
8IOweU by 2genio.usIOweU by 2genio.usFreeYesNoMay 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
4.6😊(349 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

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.

What We Love

  • 👍 Simple and easy to use
  • 📈 Keeps records organized
  • 💡 Developer is receptive to ideas
  • ✨ Improvements and adjustments made

Room to Improve

  • 🐛 Total owed calculation incorrect
  • 🐛 App freezes after data entry
  • 🐛 Data loss after updates/reinstalls

More You Owe You apps to explore

4
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
5
You Owe
You Owe
You Owe
Shared Expenses & Bill Split
Free
💰 Finance
(0)
6
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)
7
What Do You Owe?
What Do You Owe?
What Do You Owe?
Know What You Owe!
Free

Easily calculate individual shares of a bill when dining with friends. Quickly determine exactly what you owe to simplify group payments and avoid awkward math.

Split bills with friendsCalculate individual sharesSimplify group payments
🌟 Lifestyle
(4)
freemium
8
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
9
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Pay Track: Know What You Owe
Bill Organizer & Tracker
Free
💰 Finance
(0)
10
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
11
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
12
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
(67)
free with in-app purchases
13
OweMate - IOU & Debt Tracker
OweMate - IOU & Debt Tracker
OweMate - IOU & Debt Tracker
Money Owed? AI Asks For You
Free

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

Track IOUs and shared expensesAI-powered payment remindersSupport for 70+ currencies
💰 Finance
(2)
free with in-app purchases
14
Debt Tracker – IOU & Loans
Debt Tracker – IOU & Loans
Debt Tracker – IOU & Loans
Track money you owe or lend
Free

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Track interpersonal debtsRecord partial paymentsSet custom reminders
💰 Finance
(1)
freemium
15
Prend: Loans Between Friends
Prend: Loans Between Friends
Prend: Loans Between Friends
Your money back stress-free
Free
💰 Finance
(0)
16
Debtio – Track What You Owe
Debtio – Track What You Owe
Debtio – Track What You Owe
Organize loans and payments
Free
💰 Finance
(0)
17
SeraFi: Money & Debt Tracker
SeraFi: Money & Debt Tracker
SeraFi: Money & Debt Tracker
Your money, clear & in control
Free
💰 Finance
(0)
18
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
(301)
free with in-app purchases
19
Fairmoney: Loan & Debt Tracker
Fairmoney: Loan & Debt Tracker
Fairmoney: Loan & Debt Tracker
Financial Calculator & Tracker
Free
📊 Productivity
(0)
20
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
(1.4K)
free with in-app purchases

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 August 2026.
We track 242+ you owe you apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.