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Money between friends, family, or partners can get complicated — especially when it goes back and forth over time.

YouOweMe helps you keep money clear — and handle the conversation without awkwardness.


Most money apps focus only on numbers.
YouOweMe focuses on the conversation too.

YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, repayments, and balances clearly and professionally, without awkward conversations.

Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages.

Since 2016, YouOweMe has helped families, friends, and small businesses manage shared money clearly — without friction.



Money Conversations (Follow-ups, Ask for Loan & Repayment Updates)

The hardest part about shared money is often not the math — it’s knowing what to say.

Money Conversations give you three ready-to-send message types based on your real balances and history:

• Follow-Up — when someone owes you and you want to check in
• Ask for Loan — when you need to borrow money clearly and respectfully
• Repayment Update — when you owe someone and want to communicate your plan

Choose the tone (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation.

Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view details without installing the app.

No awkward wording.
No emotional pressure.
Just clear communication built on real numbers.

No more overthinking a reminder. No more rewriting the same message three times.



Whether you’re helping your parents manage bills and online purchases, splitting everyday expenses with your partner, tracking loans to your kids, or handling shared payments with roommates — YouOweMe keeps everything organized and easy to reconcile.

Track money that goes back and forth.
Split everyday expenses.
Keep family loans organized — without spreadsheets.



Professional Statements & PDFs

For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look.

Perfect for:
• small businesses and freelancers
• shared expenses with clients
• clear repayment summaries
• interest-based or long-term balances

Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings.



Voice-to-Entry (Add loans without typing)

Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”

YouOweMe automatically creates the entry with the correct names, amounts, categories, and dates.



Smart Payment Reminders

Set reminders for payments you need to collect or repay.

Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.



Built for real-life money tracking

• Automatic running balance showing who owes whom
• Split expenses in one tap (equal or custom)
• Clear borrow & lend timeline
• Instant sharing of clean summaries
• Recurring entries for rent, utilities, subscriptions
• Interest tracking for long-term balances
• Professional PDF generation
• Sync across devices + multiple cloud profiles
• Face ID / Touch ID lock
• Works offline
• No mandatory sign-up to get started



YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments.

Download YouOweMe and turn everyday money moments into simple, resolved conversations.

Track loans.
Know what to say.
Keep money — and relationships — clear.

By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved.

Most money apps focus on numbers.
YouOweMe helps you handle the conversation too.

YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, repayments, and balances clearly and professionally, without awkward conversations.

Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages.



Money Conversations (Follow-ups, Ask for Loan & Repayment Updates)

The hardest part about money is often not the math — it’s the message.

Money Conversations give you three ready-to-send message types based on your real balances and history:

• Follow-Up — when someone owes you and you want to check in
• Ask for Loan — when you need to borrow money clearly and respectfully
• Repayment Update — when you owe someone and want to communicate your plan

Choose the tone (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation.

Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view details without installing the app.

No awkward wording.
No emotional pressure.
Just clear communication built on real numbers.



Whether you’re tracking money friends owe you, splitting shared expenses, managing IOUs, handling repayments, or keeping client payments clear, YouOweMe gives you a clean, simple alternative to spreadsheets and manual reminders.



Professional Statements & PDFs

For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look.

Perfect for:
• small businesses and freelancers
• shared expenses with clients
• clear repayment summaries
• interest-based or long-term balances

Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings.



Voice-to-Entry (Add loans without typing)

Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”

YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.



Smart Payment Reminders

Set reminders for payments you need to collect or repay.

Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.



Built for real-life money tracking

• Automatic running balance showing who owes whom
• Split expenses in one tap (equal or custom)
• Clear borrow & lend timeline
• Instant sharing of clean summaries
• Recurring entries for rent, utilities, subscriptions
• Interest tracking for long-term balances
• Professional PDF generation
• Sync across devices + multiple cloud profiles
• Face ID / Touch ID lock
• Works offline
• No mandatory sign-up to get started



YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments.

Download YouOweMe and turn everyday money moments into simple, resolved conversations.

Track loans.
Send the right message.
Get paid without stress.


Learn more: https://midoris.github.io/loan-tracker-you-owe-me/

By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved.

Most money apps focus on numbers.
YouOweMe helps you handle the conversation too.

YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, repayments, and balances clearly and professionally, without awkward conversations.

Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages.



Money Conversations (Follow-ups, Ask for Loan & Repayment Updates)

The hardest part about money is often not the math — it’s the message.

Money Conversations give you three ready-to-send message types based on your real balances and history:

• Follow-Up — when someone owes you and you want to check in
• Ask for Loan — when you need to borrow money clearly and respectfully
• Repayment Update — when you owe someone and want to communicate your plan

Choose the tone (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation.

Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view details without installing the app.

No awkward wording.
No emotional pressure.
Just clear communication built on real numbers.



Whether you’re tracking money friends owe you, splitting shared expenses, managing IOUs, handling repayments, or keeping client payments clear, YouOweMe gives you a clean, simple alternative to spreadsheets and manual reminders.



Professional Statements & PDFs

For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look.

Perfect for:
• small businesses and freelancers
• shared expenses with clients
• clear repayment summaries
• interest-based or long-term balances

Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings.



Voice-to-Entry (Add loans without typing)

Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”

YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.



Smart Payment Reminders

Set reminders for payments you need to collect or repay.

Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.



Built for real-life money tracking

• Automatic running balance showing who owes whom
• Split expenses in one tap (equal or custom)
• Clear borrow & lend timeline
• Instant sharing of clean summaries
• Recurring entries for rent, utilities, subscriptions
• Interest tracking for long-term balances
• Professional PDF generation
• Sync across devices + multiple cloud profiles
• Face ID / Touch ID lock
• Works offline
• No mandatory sign-up to get started



YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments.

Download YouOweMe and turn everyday money moments into simple, resolved conversations.

Track loans.
Send the right message.
Get paid without stress.


Learn more: https://midoris.github.io/loan-tracker-you-owe-me/

By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved.

YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, and repayments without awkward conversations.

Log what you borrow or lend, split bills, track balances — and let AI help you communicate clearly when it’s time to follow up or send a repayment update.

If you’re looking for:
• an app to track money friends owe you
• an IOU tracker for shared expenses and split bills
• a debt tracker to borrow, lend, repay, and pay back clearly
• a simple tool for small business payments
• a clean alternative to spreadsheets for balances and reminders

YouOweMe is built for exactly that.


Money Messages (AI-written follow-ups & repayment updates)

The hardest part about money is often not the math — but the message.

Money Messages help you write the right message for the situation, whether:
• someone still owes you and you want to follow up, or
• you owe someone and want to send a clear repayment update.

Choose the person and tone (friendly, polite, or firm), and YouOweMe generates a ready-to-send message that explains the situation clearly and respectfully.

Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view the details without installing the app.

No awkward wording.
No emotional pressure.
Just the right message, at the right time.


Voice-to-Entry (Add loans without typing)

Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”

YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.



Smart Payment Reminders

Set reminders for payments you need to collect or repay.
Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.



Built for real-life money tracking
• Automatic running balance that always shows who owes whom
• Split expenses in one tap (equal or custom)
• Track borrow and lend history with a clear timeline
• Instant sharing of clean summaries for transparency
• Recurring entries for rent, subscriptions, utilities, or repeating payments
• Interest rate tracking for long-term or large amounts
• Sync across devices + multiple cloud profiles under one login
• Face ID / Touch ID lock for privacy
• Works offline
• No mandatory sign-up to get started


YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money.

Download YouOweMe and keep every loan clear, remembered, and resolved.

Loan Tracker: You Owe Me — AI Money Messages & Interest Tracking
Never lose a debt. Never lose a friend.

Learn more: https://midoris.github.io/loan-tracker-you-owe-me/

By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved.

YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, and repayments without awkward conversations.

Log what you borrow or lend, split bills, track balances — and let AI help you communicate clearly when it’s time to follow up or send a repayment update.

If you’re looking for:
• an app to track money friends owe you
• an IOU tracker for shared expenses and split bills
• a debt tracker to borrow, lend, repay, and pay back clearly
• a simple tool for small business payments
• a clean alternative to spreadsheets for balances and reminders

YouOweMe is built for exactly that.


Money Messages (AI-written follow-ups & repayment updates)

The hardest part about money is often not the math — but the message.

Money Messages help you write the right message for the situation, whether:
• someone still owes you and you want to follow up, or
• you owe someone and want to send a clear repayment update.

Choose the person and tone (friendly, polite, or firm), and YouOweMe generates a ready-to-send message that explains the situation clearly and respectfully.

Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view the details without installing the app.

No awkward wording.
No emotional pressure.
Just the right message, at the right time.


Voice-to-Entry (Add loans without typing)

Just speak naturally:
“I lent Alex 30 euros for groceries yesterday.”

YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.



Smart Payment Reminders

Set reminders for payments you need to collect or repay.
Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten.



Built for real-life money tracking
• Automatic running balance that always shows who owes whom
• Split expenses in one tap (equal or custom)
• Track borrow and lend history with a clear timeline
• Instant sharing of clean summaries for transparency
• Recurring entries for rent, subscriptions, utilities, or repeating payments
• Interest rate tracking for long-term or large amounts
• Sync across devices + multiple cloud profiles under one login
• Face ID / Touch ID lock for privacy
• Works offline
• No mandatory sign-up to get started


YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money.

Download YouOweMe and keep every loan clear, remembered, and resolved.

Loan Tracker: You Owe Me — AI Money Messages & Interest Tracking
Never lose a debt. Never lose a friend.

Learn more: https://midoris.github.io/loan-tracker-you-owe-me/

By using this app you agree to Apple’s standard Terms of Use:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/