七麦数据

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 it’s time to get paid back.

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, and send polite payment reminders — with AI help when you don’t want to “word it wrong.”

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.

Key features that remove awkwardness

AI Follow-Up Writing (AI Follow-Ups)
Select a person and a tone, and YouOweMe generates a ready-to-send follow-up message on your behalf. It includes a clear breakdown of what’s owed and can include a secure summary link — the other person can view it without installing the app.

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. Great for one-time IOUs, payback dates, and recurring bills.

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 Follow-Ups & Interest Rate
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 it’s time to get paid back.

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, and send polite payment reminders — with AI help when you don’t want to “word it wrong.”

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.

Key features that remove awkwardness

AI Follow-Up Writing (AI Follow-Ups)
Select a person and a tone, and YouOweMe generates a ready-to-send follow-up message on your behalf. It includes a clear breakdown of what’s owed and can include a secure summary link — the other person can view it without installing the app.

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. Great for one-time IOUs, payback dates, and recurring bills.

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 Follow-Ups & Interest Rate
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 debts, and stop stressing about asking for it back. YouOweMe makes it simple to track shared expenses, send polite payment reminders, and get paid without awkward conversations.

YouOweMe now includes three major features designed to remove the emotional and practical friction of borrowing and lending between friends.

AI Follow-Up Writing
No more uncomfortable messages or time spent trying to “word it right.” Select a person and tone, and YouOweMe generates a ready-to-send follow-up written on your behalf. The message includes a clear breakdown of what is owed and can automatically include a secure summary link that shows the full statement to the other person — without requiring them to install the app.

Voice-to-Entry
Add records without typing. Say what happened in natural language, such as “I lent Alex 30 euros for groceries yesterday,” and YouOweMe automatically creates the correct entry with names, amounts, categories, and dates.

Smart Payment Reminders
Create reminders to collect or repay money, including single payments or recurring bills such as rent or subscriptions. You choose the timing, and YouOweMe notifies you when it’s time to act.

YouOweMe takes care of the communication and organization so you can focus on your friendships, not the finances.

Additional functionality includes:

• One-tap expense splitting
• Automatic running balance that always shows who owes whom
• Instant sharing of clear summaries
• Full history with daily balance timeline
• Multiple cloud accounts under one login
• Sync across all devices
• Face ID / Touch ID privacy lock
• Works offline
• No mandatory sign-up to get started

Download YouOweMe to track shared expenses effortlessly, keep friendships smooth, and make sure every debt is remembered and resolved.

YouOweMe — never lose a debt, never lose a friend.

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