IOU & Debt Tracker: OweTracker

OweTracker is a simple personal debt tracker for money you lend, borrow, and owe — without spreadsheets or guesswork.

Track rent, shared expenses, personal loans, IOUs, recurring bills, and everyday paybacks in one clear place. See what's owed, what's paid, what's coming next, and when it's time to settle up.

Track personal debts with clarity

Filter between money you owe and money owed to you with a single tap
See totals, payment history, and remaining balances at a glance
Save with confidence — the button tells you exactly what you're saving
Add notes to keep context on every entry

Built for recurring payments

Track recurring charges like rent, phone bills, subscriptions, or ongoing loans
Set charges to repeat weekly, every two weeks, or monthly
Schedule future recurring charges before a balance is due
See upcoming charges before they happen
Stay organized even when payments change over time

Record payments easily

Log partial or full payments in seconds
Watch balances update instantly
Never lose track of who paid what

Settle up clearly

Create simple settle-up cards when it's time to close the loop
Share clean payment summaries for rent, bills, loans, or everyday paybacks
Help everyone see what was owed, what was paid, and what remains

Made for wherever you are

Works in 150+ currencies
Available in 12 languages

Private by design

No ads
No data selling
Your financial tracking stays on your device

Upgrade to Pro

OweTracker includes a free version with basic tracking and settle-up cards.

Upgrade to Pro to unlock:

Unlimited debts
Unlimited recurring charges
Custom quick notes for faster entry

Subscriptions help support continued development and keep OweTracker private and ad-free.

If you've ever said "I'll remember later" — OweTracker is for you.

Privacy Policy: https://sites.google.com/view/owetracker-privacy-policy/home
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/