Who Owes Me: IOU Debt Tracker 앱 분석 (11월 9일)

💸 Never forget who owes you money again! Lent a friend money for lunch? Split a dinner bill or a trip? Covered the rent for a roommate? Who Owes Me is a simple debt tracker and IOU app that remembers every loan for you — so you never need an awkward "do you remember…?" conversation again. Add a person, log a payment, done. You always see who owes you, whom you owe, and how much. ✨ WHY WHO OWES ME? ✓ Dead simple — no sign-up, no setup, start in seconds ✓ Private — your people and payments stay on your phone, no account, no cloud ✓ Works offline — anywhere, any time ✓ Free — every feature included, no subscriptions ✓ Exact to the cent — no rounding errors, ever 📱 FEATURES • Debt and loan tracker — positive means they owe you, negative means you owe them • Shared expenses — note who paid for dinners, trips, rent, utilities, groceries • Any currency — dollars, euros, or your own: beers, coffees, favors • Due date reminders — get notified when it's time to collect, snooze for an hour, a day or a week • Settle in one tap — clear a balance with a single settlement payment • Quick repayment — long-press a payment to pay it back with the opposite amount • Statistics and charts — the balance by person and at the end of each month • Full history — every change is logged like in a ledger, with filters and search • Home screen widget — add a payment without opening the app • Quick tags — Loan, Rent, Dinner, Gas, Groceries and more • Search and sort — by name, amount, date or number of payments • Backup and restore — export to a file, protect it with a password, import it on a new phone • Share — send a balance as text or as a file • Light and dark theme, phones and tablets, 16 languages 🔒 LOCKED FOLDER Keep some debts away from curious eyes. The Locked Folder is a separate list of people and payments, encrypted with your PIN or password. Open it with your fingerprint if you like. Set a panic code too: if someone forces you to open the folder, type the panic code instead of the PIN. The folder is wiped for good and an empty one opens, as if nothing happened. 💡 PERFECT FOR • Money lent to friends and family • Roommates splitting rent and bills • Group trips and shared expenses • Couples sharing costs • Keeping tabs on who owes lunch or a coffee • Small business IOUs and informal loans • Anyone who wants to be paid back on time 🛡️ YOUR PRIVACY Your people and payments never leave your phone unless you export them. No account, no cloud sync. The app is free and shows ads. 📥 GET STARTED IN SECONDS 1. Add a person 2. Log a payment 3. That's it — every IOU in one place Download Who Owes Me today and always know who owes you what!