IOU - debt manager

In-app purchases
4.1
3.39K reviews
100K+
Downloads
Content rating
Everyone
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About this app

IOU (I owe you) is a debt manager app for things and money. Save your money by keeping record of all personal debts, credits, bills and loans in this single app. IOU is simple enough to be used on the go by coworkers or roommates with shared expenses, and powerful enough to be a good assistant for freelancers and small businesses.*

★2nd place in finance category of Best App Ever Awards 2013 (http://www.bestappever.com)★

★The only debt manager app that syncs to web (http://ioutool.net), Android, iOS and Windows apps★

Features:
• Borrow/lend things and money
• Payback with partial payments
• Credit payoff date
• Settled debts and payments history
• Cloud sync, share debts
• Custom currencies
• Automatic email reminders
• Totals for debtors
• 3 views: who owes you, who you owe, debtors

Pro features (available with in-app purchase):
• Notifications for overdue debts and payments
• Backup/restore data
• Recurring debts, periodic payments
• Password or fingerprint (Android 6.0+) protection
• Attach a photo to debt
• Manual Email and SMS reminders, customizable templates
• Readable CSV export

For any questions, issues and suggestions please write to sergeytubin@ioutool.net. If you like the app, please support it by rating and leaving a review!

*IOU is not intended and should not be used for storing any sensitive data.
Updated on
May 3, 2018

Data safety

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Ratings and reviews

4.1
3.28K reviews
Dylan Horkin
March 14, 2022
Pretty good, but it seems like the developer has abandoned it (last update 4 years ago). I mainly use it to track rent/delivery orders with my roommate. It's missing a handful of small features (like being able to see a graph of debt over time, or having the recurring debts apply to an existing debt rather than creating a new entry) that would make this a truly great app. I'd be willing to pay for Pro if that were implemented, but it seems unlikely to happen.
24 people found this review helpful
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A Google user
October 19, 2018
Not as user friendly as I'd been lead to believe when reading other reviews. I upgraded to the pro version as it looked fantastic but I'm not happy with how it is recording payments. I also can't backdate owings as recurring payments. Eg. 4 weeks ago I wanted my son to start paying $75/week towards rent. I enter the first debt amount and set it as being due back then (30 Sept) and flag it as recurring on a weekly basis with the next debt scheduled on 7 Oct but it won't allow this to be a date prior to today. It would seem this app doesn't work well for slightly older debts. Sorry but I can't work with this. Not very user friendly and I can't even send a simple email to the developers without having to enter a password and I am confused.
58 people found this review helpful
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Gene Steinbacher
November 7, 2022
The app is perfect for me because I just need a simple debt tracker which is exactly what this is. The problem I have is whenever I try to create an it tells me my password must be at least 6 characters even when it is. Because I can't do this I will lose all my data if I get a new phone (which just happened) or I have to reset my online. I will likely give 5 stars if this is fixed.
5 people found this review helpful
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