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
11%
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
YouOweMe helps you keep money clear — and handle the conversation without awkwardness.
Most money apps focus only on numbers.
YouOweMe focuses on the conversation too.
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, repayments, and balances clearly and professionally, without awkward conversations.
Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages.
Since 2016, YouOweMe has helped families, friends, and small businesses manage shared money clearly — without friction.
Money Conversations (Follow-ups, Ask for Loan & Repayment Updates)
The hardest part about shared money is often not the math — it’s knowing what to say.
Money Conversations give you three ready-to-send message types based on your real balances and history:
• Follow-Up — when someone owes you and you want to check in
• Ask for Loan — when you need to borrow money clearly and respectfully
• Repayment Update — when you owe someone and want to communicate your plan
Choose the tone (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation.
Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view details without installing the app.
No awkward wording.
No emotional pressure.
Just clear communication built on real numbers.
No more overthinking a reminder. No more rewriting the same message three times.
Whether you’re helping your parents manage bills and online purchases, splitting everyday expenses with your partner, tracking loans to your kids, or handling shared payments with roommates — YouOweMe keeps everything organized and easy to reconcile.
Track money that goes back and forth.
Split everyday expenses.
Keep family loans organized — without spreadsheets.
Professional Statements & PDFs
For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look.
Perfect for:
• small businesses and freelancers
• shared expenses with clients
• clear repayment summaries
• interest-based or long-term balances
Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings.
Voice-to-Entry (Add loans without typing)
Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”
YouOweMe automatically creates the entry with the correct names, amounts, categories, and dates.
Smart Payment Reminders
Set reminders for payments you need to collect or repay.
Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.
Built for real-life money tracking
• Automatic running balance showing who owes whom
• Split expenses in one tap (equal or custom)
• Clear borrow & lend timeline
• Instant sharing of clean summaries
• Recurring entries for rent, utilities, subscriptions
• Interest tracking for long-term balances
• Professional PDF generation
• Sync across devices + multiple cloud profiles
• Face ID / Touch ID lock
• Works offline
• No mandatory sign-up to get started
YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments.
Download YouOweMe and turn everyday money moments into simple, resolved conversations.
Track loans.
Know what to say.
Keep money — and relationships — clear.
By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Loan Tracker: You Owe Me Screenshots
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Reviews for Loan Tracker: You Owe Me
867-5309 📻
Worked great till upgrade
I was very happy with this app until I upgraded. At first I couldn’t get the app to open, so I deleted it and reinstalled it, and now one of my loans is gone. I tried to send an email directly from the software but the app won’t let me. I’ll be happy to change my rating if you can help me figure out how to recover the missing data.
moko2386
Perfect app for handling IOUs!
This app is not overly complicated nor lacking in important features. It’s intuitive, efficient, and easy to use. It has been SO helpful for me in managing the money paid back and forth between me and my elderly parents. I manage their online subscriptions, some of their utilities accounts, and online purchases, because they really struggle with computer and internet functions. I pay for things for them and then use this app to keep track of what I’ve paid. Then they pay me back what they owe me every few weeks or so and I can easily reconcile the debt. The app is really great for someone like me who has to make a lot of entries. It even has a recurring charge function that is very helpful for handling bills with the same amount every month. I also use the app for IOUs for random things between my boyfriend and I, because I do all the grocery shopping, picking up prescriptions, etc, but he usually pays for things like plane tickets, hotel stays, etc. It has made life easier for me, my boyfriend, and my parents because this way we don’t have to reconcile debts every time they happen. I can just handle it with them periodically and still keep the money exchanges accurate. I highly recommend this app!
