IOweU

2genio.us

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About this app

Forgot who owes what? IOweU is the free IOU & debt tracker for friends, couples, roommates and families. Track money owed, borrowed items, favors, tasks and chores — and let either side create the IOU. More than just an expense splitter.

Unlike a typical expense splitter or debt tracker, IOweU handles every kind of IOU. You paid for a friend's drinks? Create an IOU. Someone borrowed your drill? Create an IOU. Your kid needs to clean the kitchen? Create an IOU — with an optional reward.

🔄 HOW IT WORKS
1. Create — Add an IOU for money owed, a borrowed item, a favor, or a task. Make it personal with a photo or animated GIF.
2. Share — Send it inside IOweU and the other person gets notified instantly and can respond — or share via any messaging app. Changed your mind? Withdraw, change and resubmit.
3. Resolve — The other side can accept, reject, or propose changes. When done, settle or waive the IOU.

⭐ WHAT MAKES IOweU DIFFERENT
✅ More than money — track items, favors, tasks, and chores
✅ Either side creates the IOU — no waiting on the other person
✅ Full IOU lifecycle — accept, reject, withdraw, propose changes, reassign (or transfer) to someone else
✅ Optional rewards on tasks and chores
✅ Push notifications on every update
✅ Photos and animated GIFs
✅ Share in-app with instant push notifications — or via any messaging app

👨‍👩‍👧‍👦 PERFECT FOR FAMILIES
Parents assign chores with optional rewards. Kids can propose their own chores and suggest a reward. On completion, the reward automatically becomes a new IOU. A simple chore app and reward system built into one flow.

💡 WHO USES IOweU
• Friends — never chase a tenner again. Shared expenses, borrowed gear, "I'll get you next time" favors
• Couples — drop the spreadsheet. Day-to-day IOUs that just work
• Roommates — rent, groceries, chores and borrowed things in one shared place
• Families — kid chores with rewards and everyday promises that actually stick

Used by friends, couples, roommates and families around the world.

🇨🇭 100% free, ad-supported. No in-app purchases, no paywalls. Swiss-made, with privacy protected under GDPR.

Stop forgetting. Start tracking. Download IOweU free today.

What’s new

A free, simple way to track who owes what — money, items, favors and chores. Either side creates the IOU, and both can accept, change, settle or waive it. Push notifications keep you in sync.

This is just the start — many more updates are already on the way.

Download IOweU free and stop forgetting who owes what.