💸 Never forget who owes you money again!
Lent a friend money for lunch? Split a dinner bill or a trip? Covered the rent for a roommate? Who Owes Me is a simple debt tracker and IOU app that remembers every loan for you — so you never need an awkward “do you remember…?” conversation again.
Add a person, log a payment, done. You always see who owes you, whom you owe, and how much.
✨ WHY WHO OWES ME?
✓ Dead simple — no sign-up, no setup, start in seconds
✓ Private — your people and payments stay on your phone, no account, no cloud
✓ Works offline — anywhere, any time
✓ Free — every feature included, no subscriptions
✓ Exact to the cent — no rounding errors, ever
📱 FEATURES
• Debt and loan tracker — positive means they owe you, negative means you owe them
• Shared expenses — note who paid for dinners, trips, rent, utilities, groceries
• Any currency — dollars, euros, or your own: beers, coffees, favors
• Due date reminders — get notified when it’s time to collect, snooze for an hour, a day or a week
• Settle in one tap — clear a balance with a single settlement payment
• Quick repayment — long-press a payment to pay it back with the opposite amount
• Statistics and charts — the balance by person and at the end of each month
• Full history — every change is logged like in a ledger, with filters and search
• Home screen widget — add a payment without opening the app
• Quick tags — Loan, Rent, Dinner, Gas, Groceries and more
• Search and sort — by name, amount, date or number of payments
• Backup and restore — export to a file, protect it with a password, import it on a new phone
• Share — send a balance as text or as a file
• Light and dark theme, phones and tablets, 16 languages
🔒 LOCKED FOLDER
Keep some debts away from curious eyes. The Locked Folder is a separate list of people and payments, encrypted with your PIN or password. Open it with your fingerprint if you like.
Set a panic code too: if someone forces you to open the folder, type the panic code instead of the PIN. The folder is wiped for good and an empty one opens, as if nothing happened.
💡 PERFECT FOR
• Money lent to friends and family
• Roommates splitting rent and bills
• Group trips and shared expenses
• Couples sharing costs
• Keeping tabs on who owes lunch or a coffee
• Small business IOUs and informal loans
• Anyone who wants to be paid back on time
🛡️ YOUR PRIVACY
Your people and payments never leave your phone unless you export them. No account, no cloud sync. The app is free and shows ads.
📥 GET STARTED IN SECONDS
1. Add a person
2. Log a payment
3. That’s it — every IOU in one place
Download Who Owes Me today and always know who owes you what!
