Loan Tracker: You Owe Me

Track who owes what—from everyday IOUs and family reimbursements to separate loans with flexible repayment plans.

YouOweMe is a loan and IOU tracker for iPhone and iPad. Record money you lent, borrowed, paid, or received. Each person has a running balance and history, including partial repayments. Set yourself a follow-up reminder when needed.

Covering groceries or bills for a parent? Keep track of what you paid, what came back, and what is still owed. Manage the record yourself and share a clear statement your relative can open without installing the app.

LOANS & FLEXIBLE REPAYMENT PLANS

Keep each loan separate, with its own name, balance, payment history, interest terms, due date, and status. It still counts toward your total balance with that person. Start a new loan or add one already underway using its current balance.

Add a repayment plan only when you need one:

• Compare lower-payment, balanced, and faster-payoff options
• Plan around a payment amount, payoff date, or number of installments
• Choose weekly, every two weeks, or monthly payments
• Use no additional interest, a fixed total interest amount, or annual interest on the remaining principal
• See the full schedule, next payment, projected payoff, and whether you are on track, ahead, or overdue

The plan follows real payments. Record a partial, full, early, or extra payment and YouOweMe updates the balance, schedule, projected payoff, and next reminder. Add more money or correct an entry later, and the plan recalculates without erasing the history.

BRING YOUR EXISTING LOAN HISTORY

Import a copy of one loan's history from text, a photo, CSV, Excel (.xlsx), or Word (.docx). Review and correct the details before saving, then record later repayments in the same loan.

CLEAR STATEMENTS & SHARING

Create PDF statements from your records, or share a focused loan summary with the balance, payments, interest, due date, and optional plan details. Add your logo or payment information when needed.

Share an always-current Live Link that opens in a browser, with no app required to view it.

For a person's running balance, invite them to report a payment in the browser. You review each report and choose to record it, match an existing entry, or decline it. Reports never change the balance automatically. Separate loan links are view-only.

When both people use YouOweMe, Balance Sync can keep supported balance entries aligned.

REMINDERS & FOLLOW-UPS

Set reminders for due dates, bills, balances, follow-ups, or a repayment plan. Plan reminders follow the next unpaid installment and update after payments. Record a payment directly from a reminder.

Money Conversations helps draft a respectful follow-up, loan request, or repayment update from your balance and history. You choose what to send. Smart Money Check-Ins highlight when action may be useful.

FOR EVERYDAY MONEY RECORDS

• Partial repayments, settlements, and recurring entries
• Equal or custom splits and Group Paybacks
• Receipt and