Debt Tracker & IOU Downloads & RevenueDebt Tracker & IOU: Meow Debt · App Store

The cute IOU tracker: see who owes you at a glance, split the bill with friends and let three tiny mascots say the awkward bit.

Covering a mate's £38 concert ticket is easy. Asking for it back is the hard part. Meow Debt turns every IOU into a little coinling that goes off to play at your friend's place. The longer it's away, the more homesick (and mossy) it gets. When the time comes, Bestie, Hihi and Chill write a friendly nudge card for you to send.

ADD AN IOU IN SECONDS
• Type one sentence like "Jordan owes me £38 concert ticket" and Meow Debt works out who, how much and what for
• Split a bill with friends or flatmates: equally, by item or by share, including who paid on the spot
• Add due dates, notes and photos. Every IOU keeps its own currency and is never converted

NUDGES THAT DON'T FEEL AWKWARD
• Nudge cards in three voices: Sweet, Tease and Blunt
• Add your payment link (such as PayPal, Monzo or Revolut) or a QR code to the card, so friends can pay straight away
• Share the card through any messaging app. Meow Debt never sends anything by itself
• When a coin comes home, cross it off and send a thank-you card

BIG IOU? NO FUSS (PRO)
• Instalments: 2 to 36 payments, weekly, every two weeks or monthly. Paid, short and late ones show at a glance
• Agreed interest: per month or per year, with interest-free days. Meow Debt works out what's due today
• Your own reminder templates: tap to insert the name, amount and due date
• More books: give the house fund or a holiday a book of its own

SEE EVERYTHING AT A GLANCE
• Two totals: what friends owe you and what you owe them
• Coins age from just left to homesick to mossy, and overdue ones get a red pen circle
• Log part-payments, move a due date, settle up two IOUs against each other, or simply let one go
• A friends list that shows who's all square, plus a private payback pace only you can see
• Home Screen and Lock Screen widgets

GENTLE REMINDERS, ON YOUR TERMS
• At most once a day, three times a week, and never after 9pm
• A reminders inbox shows what's coming up, and you can skip any of them

PRIVATE BY DESIGN
• No account, no ads, no tracking. Your book stays on your device and syncs through your own iCloud
• Lock it with Face ID, or give your phone a shake to hide the amounts
• Export a backup at any time
• Serious mode hides the mascots when you just want the numbers

MAKE IT YOURS
• Rename the trio, pick an app icon, go light or dark
• Works on iPhone and iPad, in 19 languages
• 24 animated stickers of the trio for iMessage

A SHOP AND WARDROBE FOR THE TRIO
• Earn fish snacks when you log a debt and when a coinling comes home, then trade them for hats, glasses, scarves, tops and shoes
• Seasonal items for Lunar New Year, Mid-Autumn, Halloween, Christmas and Valentine's Day
• Fish snack packs are in-app purchases. Outfits never appear on your cards

MEOW DEBT PRO
• Unlimited coinlings (the free book holds 12 open ones)
• The Tease and Blunt voices, cards without the watermark and Pro