Everyone forgets
who owes what.
Now you won't.
IOweU tracks the money, items, favors, and tasks that people owe each other — and tend to forget. Whether you owe something or something is owed to you, it all lives in one place.
Create IOUs from either side, share them in seconds, and settle them when you are ready.
Promises slip. Payments get forgotten.
Borrowed things disappear.
A drink gets paid for. A charger gets borrowed. A favor gets promised. Without one shared place to track it all, small things pile up and details get lost.
More than an expense splitter
Most apps stop at "who owes how much." IOweU tracks every kind of IOU — and lets either side create it.
Typical expense splitter
- Only money — no items, favors, or tasks
- One person logs the expense
- No way to respond or negotiate
- No reassignment
- No reward system
IOweU
- Money, items, favors, tasks, and chores
- Either side can create the IOU
- Accept, reject, withdraw, or propose a change
- Reassign an IOU to someone else
- Optional rewards on tasks
Built for how IOUs actually work
Not just a ledger. A shared flow where both sides stay in the loop.
Stop relying on memory
Every IOU stays visible to both sides. No more digging through chats, notes, or trying to remember who said what.
Create it from either side
Owe someone or someone owes you? Create the IOU yourself — you do not need to wait for the other person to log it first.
Reassign instead of recreating
When an IOU should move to another person, reassign it directly. No need to delete and start over.
Push notifications on every change
Accepted, rejected, withdrawn, settled, waived, reassigned, or updated — both sides know automatically.
Add a photo or funny GIF
Attach a photo for proof or pick from an animated GIF library to make the IOU unmistakable and personal.
Propose changes, do not just edit
Need to adjust an accepted IOU? Either side can suggest a change. The other person decides.
IOUs for every situation
Money owed is just the start. Here is what people actually track.
Three steps. That is it.
Create an IOU, share it, and keep it moving until it is settled or waived. Along the way, either side can accept, reject, withdraw, propose changes, or reassign.
Create
Add an IOU for money owed, an item, a favor, or a task or chore. Make it personal with a photo or animated GIF.
Share
Share directly in the app or via any messaging app. The other person gets notified and can respond. Changed your mind? Withdraw, change and resubmit it.
Resolve
The other person can accept or reject. Once accepted, either side can propose changes or reassign. When done, settle the IOU or waive it. Push notifications keep everyone in the loop.
Also great for household chores and corresponding incentives
The same IOU flow works naturally for family life — and for parents and kids who want a simple way to manage chores with optional rewards.
How families use IOweU
Parents can create tasks or chores and assign them to their kids, with an optional reward attached. Kids can also create their own chores and suggest the reward they think they deserve. On completion, the reward automatically becomes a regular IOU.
- Assign household chores to kids from the app
- Kids can create chores and propose their own reward
- Rewards can be money, extra screen time, or anything you agree on
- On completion, the reward appears as a regular IOU
- Push notifications keep parents and kids up to date
Crafted in Switzerland
Built with the precision you would expect from a Swiss-made product.
Privacy first
Your data is hosted in the EU and protected under GDPR — one of the strictest privacy frameworks in the world.
Built with care
Handmade by a small team with full dedication and attention to every detail.
Free, no in-app purchases
The app is 100% free to use. No premium tiers, no paywalls, no hidden costs.
One app, many situations
IOweU works wherever people owe each other something — money or not.
Friends
Shared expenses, borrowed gear, rides, tickets, and "I'll get you next time" favors.
Couples
Day-to-day IOUs for money owed, borrowed items, and shared tasks without the spreadsheet.
Roommates
Rent, groceries, household chores, and borrowed things — all in one shared place.
Families
Family follow-through, kid chores with optional rewards, and everyday promises that stick.
A free IOU tracker for money, items, favors and chores
If you are looking for an app to track who owes who, IOweU covers more than shared expenses.
Many people search for an expense splitter, debt tracker, or "who owes me" app when they really need something broader. IOweU handles the usual money-owed situations, but it also tracks borrowed items, promised favors, and tasks or chores — including household chores with optional rewards that automatically become regular IOUs on completion.
That makes IOweU useful for friends splitting expenses, couples tracking day-to-day IOUs, roommates managing shared costs and chores, and families looking for one place to handle everything from borrowed tools to kid chores with rewards. Instead of juggling a debt tracker, a chore app, and a notes app, one IOU flow covers it all.
Is IOweU only for splitting expenses?
No. It works for money owed, borrowed items, favors, tasks, and chores. For tasks, you can also attach an optional reward — that reward becomes a regular IOU on completion.
Can I track borrowed items?
Yes. If someone borrows your drill, camping stove, charger, or anything else, create an IOU and both sides can see it until the item is returned.
Does it work as a family chore app?
Yes. Parents can assign chores with optional rewards, and kids can create chores and propose their own reward. On completion, the reward appears as a new IOU automatically.
What makes IOweU different from a typical expense splitter?
Most expense splitters only track shared money. IOweU tracks every kind of IOU — money, items, favors, tasks — and lets either side create the IOU. It also supports reassignment, photos, animated GIFs, and task rewards.
Can either person create the IOU?
Yes. Whether you owe someone or someone owes you, you can create the IOU yourself. You do not need to wait for the other person to log it.
Is IOweU free?
Yes. The app is 100% free with no in-app purchases. It is ad-supported, made in Switzerland, and your data is hosted in the EU under GDPR.
Stop forgetting. Start tracking.
Download IOweU free and never lose track of who owes what again.
Contact
Want to suggest a new feature, report a bug, or share something else?
Don't hesitate to contact us via our Service Desk