WhoWhom — IOU & debt tracker

WhoWhom keeps track of the money between you and your friends — what they owe you, what you owe them, and when it's due. No awkward math, no forgotten IOUs A simple, private tracker for informal debts between friends — it just helps you remember who owes whom How it works: • Note money both ways — what you're owed and what you owe, with or without a friend attached • Give a loan its own title, a start date and a due date • Record repayments as they happen and watch each balance settle • Get a gentle reminder the day before a repayment is due and on the day • See what's coming up and what's still open right on the Home screen • Use any currency — set your own rates or pull today's, and see it all in one place • Repay across currencies — lend in one, get paid back in another, at a rate you set for that payment • Clash mutual debts — when you both owe each other, hold to net it out Always at hand: • Home Screen and Lock Screen widgets for your balance, a friend or a single loan — with a countdown to what's due • Ask Siri what you're owed, or add a loan and record a repayment by voice or in Shortcuts • Find friends and loans in Spotlight, and add a loan or a repayment straight from the results Clash: Friendships rarely run one way. You covered dinner, they covered the taxi, and now you both owe each other something. Clash finds the overlap and cancels it out — hold, and the two debts settle against each other. Whatever is left over stays on the ledger, to the cent, so nobody has to remember who transfers what Every currency, properly: Each loan keeps its own currency, and your totals add up in your main one. Rates are set for each pair of currencies, so when you lend in one and get paid back in another, the exact rate you set is used — no detour through a third currency. Set your own rate, or pull today's from the web whenever you ask. Nothing shifts behind your back Private by design: • No ads. No trackers. No analytics • No account and no sign-up — just open it and start • Your data stays on your device and, if you choose, syncs through your own private iCloud. Nobody else can see it — not even us • Lock the app with Face ID or Touch ID • Hide balances in the app switcher, and keep amounts off widgets and Spotlight Free and Pro: WhoWhom is free for up to three friends, two open loans each, and two currencies beyond your main one — enough for most friendships. Widgets, reminders and iCloud sync are free for everyone WhoWhom Pro removes every limit and adds Clash, per-friend limits, and Siri, Shortcuts and Spotlight. Available monthly, yearly, or as a one-time lifetime unlock Honest about what it is: WhoWhom is a tracker, not a bank — it never lends or moves money Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula