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.

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