Loan Tracker: You Owe Me

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved. 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, track balances — and let AI help you communicate clearly when it’s time to follow up or send a repayment update. Money Messages (AI-written follow-ups & repayment updates) The hardest part about money is often not the math — but the message. Money Messages help you write the right message for the situation, whether: • someone still owes you and you want to follow up, or • you owe someone and want to send a clear repayment update. Choose the person and tone (friendly, polite, or firm), and YouOweMe generates a ready-to-send message that explains the situation clearly and respectfully. Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view the details without installing the app. No awkward wording. No emotional pressure. Just the right message, at the right time. Whether you’re tracking money friends owe you, splitting shared expenses, managing IOUs, handling repayments, or keeping client payments clear, YouOweMe gives you a clean, simple alternative to spreadsheets and manual reminders. YouOweMe is built for exactly that. Beyond communication, YouOweMe makes money tracking fast and effortless. 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. Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten. 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 YouOweMe takes care of the organization and the communication, so you can focus on relationships and work — not friction around money. Download YouOweMe and keep every loan clear, remembered, and resolved. Loan Tracker: You Owe Me — AI Money Messages & Interest Tracking Never lose a debt. Never lose a friend. Learn more: https://midoris.github.io/loan-tracker-you-owe-me/ By using this app you agree to Apple’s standard Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/