Free IOU Tracker App for Everyday Promises
IOweU helps you keep track of what others owe you — and what you owe them. Use it for money, borrowed items, favors, tasks, chores and rewards with friends, roommates or family.
What is an IOU tracker?
An IOU is short for "I owe you" — a small promise between two people. It can be money, a borrowed item, a favor, a task or a chore.
An IOU tracker is the place where you keep these promises visible to both sides, so nothing gets forgotten and nobody has to dig through chat history to remember who said what.
Track money, items, favors and chores
Most apps in this space only track money. IOweU is built for the full picture of everyday promises.
Money owed
Drinks, dinner, groceries, rent shares, taxi rides.
Borrowed items
Books, chargers, tools, games, camping gear.
Favors
Picking someone up, watching a pet, helping with a move.
Tasks and chores
Cleaning the kitchen, walking the dog, doing the laundry.
Optional rewards
Attach an incentive to any task or chore.
Either side creates
You do not have to wait for the other person to log it.
Create IOUs from either side
You do not have to wait for the other person to log anything. Whether you owe something or something is owed to you, you can create the IOU yourself.
The other side gets notified and can accept, reject, withdraw, propose a change, or — once accepted — reassign it. When the IOU is fulfilled, either side can settle it or waive it.
How IOweU works
- Create — add an IOU for money, an item, a favor or a task. Optionally attach a photo or a GIF.
- Share — send it through the app or any messaging app. The other person is notified instantly.
- Resolve — accept, reject, propose changes, reassign, settle or waive. Push notifications keep both sides in sync.
Who can use IOweU?
Friends
Dinners, drinks, tickets and rides.
Couples
Day-to-day IOUs and shared tasks.
Roommates
Rent, groceries, household items and chores.
Families
Chores with optional rewards for kids.
Features that make IOUs easier
Push notifications
On every change — accept, reject, propose, settle, waive.
Photos and GIFs
Make IOUs unmistakable with media attachments.
Propose changes
No silent edits — both sides confirm what changes.
Reassign
Move an accepted IOU to someone else without recreating it.
Rewards
Optional rewards on tasks become a regular IOU on completion.
Made in Switzerland
Free, ad-supported, with EU-hosted data under GDPR.
More than an expense splitter
If you were looking for an expense splitter alternative, IOweU covers shared expenses but is not limited to money. The same flow works for items, favors and chores — so you only need one app instead of a debt tracker, a chore app and a notes app.
Start tracking IOUs today
IOweU is free, made in Switzerland, and available on iOS and Android. Download it and never lose track of who owes what again.
Download IOweU
IOweU is free to use, made in Switzerland, and available on iOS and Android.
Frequently asked questions
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.
Can I track things other than money?
Yes. IOweU tracks money, borrowed items, favors, tasks and chores. For tasks and chores you can also attach an optional reward.
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 first.
How is IOweU different from an expense splitter?
Most expense splitters only track shared money. IOweU tracks every kind of IOU — money, items, favors, tasks and chores — and lets either side create the IOU.
Does IOweU work for families?
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.