IOU (I owe you) is a debt manager app for things and money. With options like recurring debts, payments and notifications you can keep track of loans, periodic payments, bills and personal debts all in this single app! Syncing to allows keeping and editing your data on different devices and in web browser and share debts with your contacts.

-Borrow/lend things and money
-Partial payments
-History of settled debts
-Notifications for overdue debts
-Recurring debts and payments
-Password or Touch ID protection
-Cloud sync
-Debts sharing
-Automatic email reminders (sync required)
-Send email or SMS to debtors
-Photo attachments

For any questions, issues and suggestions please write to If you like the app, please support it by rating and leaving a review!

What's New

Version 4.0.1


Customer Reviews

3.8 out of 5

8 Ratings

8 Ratings

Very useful app


I use this app to keep track of all monies and things owed to me or that I ow others. It makes it very easy and simple. Keep up the good work.



I think I tried 25 lending apps until I finally found this one. By far the best and simplest interface for lending and borrowing money. Most importantly to be able to owe or lend someone money and have the ability to make payments towards the balance and have those payments show in a easy to understand way. This app is absolutely simple yet powerful. Perfect in almost every way, the only thing I would change is the icon, a little childish for me. Thanks for a great app hope to see updates I'll be recommending this app to my friends who need a similar app.

Best IOU App!


I tried 7 other apps before this one and they all required pulling contact info from Facebook or your contacts and some req a login. This one is simple and effective, it has all the features I wanted like being able to enter a name or choosing from your contacts, a place for memos, due date and if it's recurring (like to keep track of roommate expenses or to remind yourself) I could easily navigate the app which was great. Loooove it!


Sergey Tubin
9.2 MB
Requires iOS 11.0 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, 9.7-inch iPad Pro, 9.7-inch iPad Pro Wi-Fi + Cellular, iPad (5th generation), iPad Wi-Fi + Cellular (5th generation), 12.9-inch iPad Pro (2nd generation), 12.9-inch iPad Pro Wi‑Fi + Cellular (2nd generation), 10.5-inch iPad Pro, 10.5-inch iPad Pro Wi‑Fi + Cellular, and iPod touch.
English, French, German, Italian, Russian, Spanish
Age Rating
Rated 4+
© Sergey Tubin


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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