Couples IOU Tracker for Everyday Life
IOweU helps couples keep track of small promises, money owed, borrowed items and shared tasks without turning everyday life into a spreadsheet.
Keep everyday IOUs simple
Day-to-day IOUs for money owed, borrowed items, and shared tasks without the spreadsheet.
IOweU gives the two of you a shared place for small promises — who paid for what, whose turn it is, what got borrowed — so nothing turns into "I thought you said…"
Track money owed between partners
Plenty of money flows between two people in a relationship without ever being "shared expenses" in a formal sense. IOweU handles the small stuff.
- Dinners, takeaway, drinks and coffee runs.
- Movie tickets, concerts and weekend plans.
- Groceries one of you grabbed on the way home.
- Travel deposits, hotel bookings and trip costs.
Remember borrowed items and shared tasks
IOweU is not only about money. Items move between you, and so do day-to-day tasks. Log them once and both sides can see who agreed to what.
Borrowed items
Chargers, jackets, books, a pair of headphones.
Cleaning turns
Bathroom, kitchen, vacuuming — whose week it is.
Shopping runs
Groceries, household basics, restock duties.
Pet care
Walks, food, vet trips and grooming.
Cooking turns
Whose night it is to make dinner.
Errands and rides
Pickups, drop-offs and quick favors.
Avoid the spreadsheet
A shared spreadsheet is fine for a week and forgotten by the next. IOweU keeps things lightweight: a tap to add, a tap to settle, push notifications to keep both sides in sync.
Nothing in IOweU is a formal "shared budget". It is just an easy way to remember the everyday IOUs between you so neither side is silently keeping score.
How IOweU works for couples
- Create an IOU — money, an item, a favor or a shared task.
- Share it with your partner through the app or any messaging app.
- Either side can accept, propose a change, reassign or settle.
- Settle when done, or waive it if you both decide to let it go.
Download IOweU
IOweU is free, made in Switzerland, and available on iOS and Android. Install it together and keep the small promises clear.
Download IOweU
IOweU is free to use, made in Switzerland, and available on iOS and Android.
Frequently asked questions
Is IOweU only for splitting expenses?
No. IOweU covers money owed, borrowed items, favors and shared tasks. For couples it works as a lightweight everyday tracker, not as a formal expense splitter.
Can either partner create the IOU?
Yes. Whether you owe something or your partner owes you, you can create the IOU yourself. The other side gets notified and can accept, reject, propose a change or settle.
Can we track shared chores as well as money?
Yes. Chores work as task IOUs in IOweU. Cleaning turns, cooking nights, pet walks — anything you want to remember between the two of you.
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.