Loan Tracker: You Owe Me
AI Follow-Ups & Interest Rate
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
Common use cases
Friends & roommates
- Split bills and shared expenses (equal or custom)
- Keep a clear running balance so nobody forgets
- Send polite reminders when it’s time to pay back
Couples & families
- Track shared spending and repayments over time
- Stay transparent with instant summary sharing
- Use reminders and recurring entries for regular payments
Small business / clients
- Track simple client payments and repayments (without spreadsheets)
- Use Interest Rate tracking for long-term or larger amounts
- Follow up politely using AI Follow-Ups
Key features
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
FAQ
What is YouOweMe?
YouOweMe is a loan tracker and IOU app that helps you track debts, shared expenses, and repayments — so you always know who owes whom and how much.
Is it good for tracking money between friends or roommates?
Yes. It’s designed for shared expenses, splitting bills, and keeping a clear running balance between people.
Can it help me ask someone to pay me back politely?
Yes. AI Follow-Ups generates a ready-to-send message with a clear breakdown of what’s owed.
Does it support recurring bills?
Yes. Use recurring entries and reminders for rent, subscriptions, utilities, and repeating payments.
Support
Support email: eugen_yablonski@yahoo.com
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