Debes: Who owes me? Do I owe? vs Loan Tracker: You Owe Me Utilisation & Stats

Money between friends, family, or partners can get complicated — especially when it goes back and forth over time. YouOweMe helps you keep money clear — and handle the conversation without awkwardness. Most money apps focus only on numbers. YouOweMe focuses on the conversation too. YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates, and small businesses who want to track shared money clearly, without awkward conversations. Log what you borrow or lend, split bills, track balances — and use built-in Money Messages and Smart Money Check-Ins when it’s time to talk about money. Helping people manage shared money since 2016. Money Conversations (Follow-ups, Ask for Loan & Repayment Updates) The hardest part about shared money is often not the math — it’s knowing what to say. Money Conversations give you three ready-to-send message types based on your balances and history: • Follow-Up — when someone owes you and you want to check in • Ask for Loan — when you need to borrow money clearly and respectfully • Repayment Update — when you owe someone and want to communicate your plan Choose the tone and generate a message from your real situation. Messages can include a secure summary link, so the other person can view details without installing the app. No awkward wording. No emotional pressure. Just clear communication built on real numbers. No more overthinking a reminder. No more rewriting the same message. Smart Money Check-Ins Knowing what to say is only part of the problem. Knowing when to reach out matters too. Smart Money Check-Ins add a proactive timing layer on top of Money Conversations. Using your balance history, repayment progress, reminders, silence, and promised dates, YouOweMe detects when communication matters and suggests the right next step. It helps you know when to follow up or send a repayment update, then guides you into a ready-to-send message. That means earlier, clearer communication, before awkwardness turns into tension. Whether you’re splitting expenses with your partner, tracking family loans, or handling shared payments with roommates, YouOweMe keeps everything organized and easy to reconcile. Track back-and-forth money. Split everyday expenses. Keep family loans organized — without spreadsheets. Professional Statements & PDFs For more formal situations, YouOweMe lets you generate clean, professional PDF statements from your records, with the option to add your own logo or image. Perfect for: • small businesses and freelancers • shared expenses with clients • clear repayment summaries • interest-based or long-term balances Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings. Voice-to-Entry (Add loans without typing) Just speak naturally: “I lent Alex 30 euros for groceries yesterday.” YouOweMe automatically creates the entry. Smart Payment Reminders Set reminders for payments 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 showing who owes whom • Split expenses in one tap (equal or custom) • Clear borrow & lend timeline • Instant sharing of clean summaries • Recurring entries for rent, utilities, subscriptions • Interest tracking for long-term balances • Professional PDF generation • Sync across devices + multiple cloud profiles • Face ID / Touch ID lock • Works offline • No mandatory sign-up to get started YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments. Download YouOweMe and turn everyday money moments into simple, resolved conversations. Track loans. Know when to reach out. Know what to say. Keep money — and relationships — clear. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/