In this debt tracking app, you can log loans, split expenses, and send reminders to ensure repayment. Includes AI-generated follow-up messages, voice-to-entry, and payment notifications.
AppRecs review analysis
AppRecs rating 4.5. Trustworthiness 79 out of 100. Review manipulation risk 19 out of 100. Based on a review sample analyzed.
★★★★☆
4.5
AppRecs Rating
Ratings breakdown
5 star
77%
4 star
12%
3 star
4%
2 star
3%
1 star
5%
What to know
✓
Low review manipulation risk
19% review manipulation risk
✓
Credible reviews
79% trustworthiness score from analyzed reviews
✓
High user satisfaction
77% of sampled ratings are 5 stars
About Loan Tracker: You Owe Me
Stop losing money over forgotten loans — and stop stressing about what to say when it’s time to get paid back.
YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, and repayments without awkward conversations. Log what you borrow or lend, split bills, and send polite payment reminders — with AI help when you don’t want to “word it wrong.”
If you’re looking for:
• an app to track money friends owe you
• an IOU tracker for shared expenses and split bills
• a debt tracker to borrow, lend, repay, and pay back clearly
• a simple tool for small business payments
• a clean alternative to spreadsheets for balances and reminders
…YouOweMe is built for exactly that.
Key features that remove awkwardness
AI Follow-Up Writing (AI Follow-Ups)
Select a person and a tone, and YouOweMe generates a ready-to-send follow-up message on your behalf. It includes a clear breakdown of what’s owed and can include a secure summary link — the other person can view it without installing the app.
Voice-to-Entry (Add loans without typing)
Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”
YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.
Smart Payment Reminders
Set reminders for payments you need to collect or repay. Great for one-time IOUs, payback dates, and recurring bills.
Built for real-life money tracking
• Automatic running balance that always shows who owes whom
• Split expenses in one tap (equal or custom)
• Track borrow and lend history with a clear timeline
• Instant sharing of clean summaries for transparency
• Recurring entries for rent, subscriptions, utilities, or repeating payments
• Interest Rate tracking for long-term or large amounts
• Sync across devices + multiple cloud profiles under one login
• Face ID / Touch ID lock for privacy
• Works offline
• No mandatory sign-up to get started
YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money.
Download YouOweMe and keep every loan clear, remembered, and resolved.
Loan Tracker: You Owe Me — AI Follow-Ups & Interest Rate
Never lose a debt, never lose a friend.
Learn more: https://midoris.github.io/loan-tracker-you-owe-me/
By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, and repayments without awkward conversations. Log what you borrow or lend, split bills, and send polite payment reminders — with AI help when you don’t want to “word it wrong.”
If you’re looking for:
• an app to track money friends owe you
• an IOU tracker for shared expenses and split bills
• a debt tracker to borrow, lend, repay, and pay back clearly
• a simple tool for small business payments
• a clean alternative to spreadsheets for balances and reminders
…YouOweMe is built for exactly that.
Key features that remove awkwardness
AI Follow-Up Writing (AI Follow-Ups)
Select a person and a tone, and YouOweMe generates a ready-to-send follow-up message on your behalf. It includes a clear breakdown of what’s owed and can include a secure summary link — the other person can view it without installing the app.
Voice-to-Entry (Add loans without typing)
Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”
YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.
Smart Payment Reminders
Set reminders for payments you need to collect or repay. Great for one-time IOUs, payback dates, and recurring bills.
Built for real-life money tracking
• Automatic running balance that always shows who owes whom
• Split expenses in one tap (equal or custom)
• Track borrow and lend history with a clear timeline
• Instant sharing of clean summaries for transparency
• Recurring entries for rent, subscriptions, utilities, or repeating payments
• Interest Rate tracking for long-term or large amounts
• Sync across devices + multiple cloud profiles under one login
• Face ID / Touch ID lock for privacy
• Works offline
• No mandatory sign-up to get started
YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money.
Download YouOweMe and keep every loan clear, remembered, and resolved.
Loan Tracker: You Owe Me — AI Follow-Ups & Interest Rate
Never lose a debt, never lose a friend.
Learn more: https://midoris.github.io/loan-tracker-you-owe-me/
By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
