IOU – Due & Lend Tracker

Never forget who owes you. Never forget what you owe.

IOU is the simplest way to keep track of personal debts and loans between you and the people in your life. Whether someone owes you twenty dollars or two thousand, IOU keeps it organized, clear, and ready to share whenever you need it.

THE PROBLEM

You lent your roommate money for groceries last month. Did they pay you back? You borrowed cash from a friend at dinner three weeks ago. Did you settle up? Most people lose track. Notes disappear. Memories fade. Awkward conversations follow.

THE SOLUTION

IOU gives every person their own card. Add a transaction in seconds. See your balance with that person at a glance. Get a reminder before a due date arrives. Export a clean summary as a PDF or image and share it through any app you use. That is it. No bank connections. No complicated budgeting. No clutter.

KEY FEATURES

Person Cards
Create a separate card for every person in your life. Each card holds the full history of money lent and borrowed between you and that person, so you always know exactly where you stand.

Due and Lend Tracking
Log money you have lent out and money you have borrowed. IOU keeps the two clearly separated and shows your running balance with each person.

Transaction Details
Add an amount, a date, an optional due date, and a note for every entry. Edit or remove transactions any time.

Due Date Reminders
Set a due date on any transaction and IOU will send you a notification before it arrives, so you remember to ask for payment or pay someone back on time.

Export as PDF or Image
Generate a clean, professional summary of any persons transaction history and export it as a PDF or an image. Share it through Messages, Mail, or any app on your device.

Insights and Trends
See who you lend to most often, your overall balance across all cards, and how your lending and borrowing patterns change over time.

iCloud Backup
Your data is securely backed up to your personal iCloud account. Switch to a new device, restore your phone, or simply have peace of mind knowing your records are safe.

Clean, Minimal Design
Built for speed. Open the app, tap a person, log the amount. The whole flow takes under ten seconds.

PERFECT FOR

Friends who lend each other money for meals, tickets, and small expenses
Roommates tracking shared bills and informal loans
Family members handling personal loans without pap