Even Steven - IOU Tracker
Finance In-app purchases
Who owes you money and since when: balances, reminders, friendly nudges ready.
- Price
- Free
- In-app purchases
- Updated
- Oct 20
- 2026 · v1.0.0
Screenshots
About Even Steven - IOU Tracker
Even Steven remembers who owes you money, and for how long. Lent Marco $20 for pizza? Write it down in two taps, with date and time. Marco pays you back $10? Record it, even in part, and the balance goes down. When it hits zero: POW! Paid up.
WHO OWES YOU, WHO YOU OWE
• The money people owe you and the money you owe, person by person
• Totals at the top: how much is out there, both ways
• How many days each debt has been open: fresh, aged, vintage, long-standing
• The debt that has been waiting the longest, with amount and days
• The full history of each person, with the balance after every entry
THE REMINDER, ALREADY WRITTEN
• A message ready for a text or WhatsApp, in two tones: gentle or friendly
• Always kind: the smile is about the situation, never about the person
• The app opens your messaging app or WhatsApp with the text ready: you decide if and when to press Send
• When they pay you back in full, the thank-you message is already written too
PEOPLE
• From your phone's contacts or typed in, as many as you like
• The app doesn't read your address book: it only sees the contact you pick
• The "Who owes you most" list stays on your phone: it can't be shared
EVEN STEVEN PRO
One purchase, no subscription:
• The Home screen widget: who owes you most, who you owe most and both totals
• Reminders: after a few days the app lets you know a debt is still open
• A person's statement as an image, to send to that person
• Export every loan and every payback to CSV
• Back up everything, to keep or to move to a new phone
The free version includes unlimited people, loans and paybacks both ways, balances, totals, history, messages in both tones and restoring from a backup.
Change phone and you restore Pro from your Google account.
No account, no ads: your loans and your people stay on your phone. Reminders are local notifications, and the app never sends anything by itself.
Even Steven is part of SMP MicroApps: small apps that do one thing and do it well.
https://smpmicroapps.it
WHO OWES YOU, WHO YOU OWE
• The money people owe you and the money you owe, person by person
• Totals at the top: how much is out there, both ways
• How many days each debt has been open: fresh, aged, vintage, long-standing
• The debt that has been waiting the longest, with amount and days
• The full history of each person, with the balance after every entry
THE REMINDER, ALREADY WRITTEN
• A message ready for a text or WhatsApp, in two tones: gentle or friendly
• Always kind: the smile is about the situation, never about the person
• The app opens your messaging app or WhatsApp with the text ready: you decide if and when to press Send
• When they pay you back in full, the thank-you message is already written too
PEOPLE
• From your phone's contacts or typed in, as many as you like
• The app doesn't read your address book: it only sees the contact you pick
• The "Who owes you most" list stays on your phone: it can't be shared
EVEN STEVEN PRO
One purchase, no subscription:
• The Home screen widget: who owes you most, who you owe most and both totals
• Reminders: after a few days the app lets you know a debt is still open
• A person's statement as an image, to send to that person
• Export every loan and every payback to CSV
• Back up everything, to keep or to move to a new phone
The free version includes unlimited people, loans and paybacks both ways, balances, totals, history, messages in both tones and restoring from a backup.
Change phone and you restore Pro from your Google account.
No account, no ads: your loans and your people stay on your phone. Reminders are local notifications, and the app never sends anything by itself.
Even Steven is part of SMP MicroApps: small apps that do one thing and do it well.
https://smpmicroapps.it
What’s new
Version 1.0.0 · Updated October 20, 2026
First Release
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