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IOU - debt manager

November 06, 2024

More About IOU - debt manager

IOU (I owe you) is a debt manager app for things and money. Save your money by keeping record of all personal debts, credits, bills and loans in this single app. IOU is simple enough to be used on the go by coworkers or roommates with shared expenses, and powerful enough to be a good assistant for freelancers and small businesses.*
★2nd place in finance category of Best App Ever Awards 2013 (http://www.bestappever.com)★

★The only debt manager app that syncs to web (http://ioutool.net), Android, iOS and Windows apps★

Features:
• Borrow/lend things and money
• Payback with partial payments
• Credit payoff date
• Settled debts and payments history
• Cloud sync, share debts
• Custom currencies
• Automatic email reminders
• Totals for debtors
• 3 views: who owes you, who you owe, debtors

Pro features (available with in-app purchase):
• Notifications for overdue debts and payments
• Backup/restore data
• Recurring debts, periodic payments
• Password or fingerprint (Android 6.0+) protection
• Attach a photo to debt
• Manual Email and SMS reminders, customizable templates
• Readable CSV export

For any questions, issues and suggestions please write to [email protected]. If you like the app, please support it by rating and leaving a review!

*IOU is not intended and should not be used for storing any sensitive data.

Latest Version

Version
4.56a
Update
November 06, 2024
Developer
S. Tubin
Apps
Finance
Platforms
Android
Downloads
261,155
License
Free
Package Name
tubin.debts
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User Reviews

Gregory EWING

3 years ago

It tells you to register between when you do try to registered one that you put in the password and always charged you 6 characters and I've been put in more than 6 characters and it's still 1 let me

A Google user

5 years ago

Have had it a month now, helpful and very easy to use, basic functions make it easy and efficient.

Amir Halim

1 year ago

After few years using this apps, i cannot log in into server to synchronize the backup data anymore! Now I'm loosing all the list of my debts. Emailed to admin also not answered. So sad.

Tim Fonshell

1 year ago

Great and very ptactical app. It is very easy to use and makes tracking debts extremely easy. And so far it works flawlessly.

A Google user

4 years ago

1)There are other great debt trackers - Loans&Debts:Notepad by FingerDev Studio and U.O.me (Debt Manager) by Pikadorama. 2)No simple calculator in the app. 3)Can't choose which day of the week is the first in calendar.

Mark Sawyer

2 months ago

Paid for the professional version of this app. about a year or so ago. And now I'm locked out and can't sign back in. That sounds like you stole my money!

A Google user

4 years ago

Rubbish app tried to start a debt i owe and even to add a reoccuring payment monthly is extra!! U have to upgrade to pro so its not free why would i pay for that??? I wanted to keep it on my phone. Instead of paying i rather write on my calender or notes

Waqas Rafique

1 year ago

Hi, I changed my phone but I am unable to restore my previous debt history. It shows error whenever I add my email & password. Can anyone assist me. My all debt history was backed up in this application.

Vicky Chow

10 months ago

it's a nice simple app to track the debts and credits. it's exactly what i need. what a pity that it's no longer updating!! and cannot sync to online now.

panji semarang

4 years ago

this app is quite good actually. simple and easy to use. the only thing is you cant have backup to all your info when it is free vers. sadly. but out of all, it help to organize all payment made, with time and date. helps a lot!

Toni Cruz Roberto

9 months ago

Scam. As mentioned in previous reviews, the app is abandoned. I paid for the Pro version (so I can keep my data if I get a.new phone), and whenever I try to create an account it tells my password must be at list 6 characters even when it is.

Daniel Kauffman

9 months ago

Very helpful reading reviews and seeing that it is abandoned. If I could get him to answer, I would take over the app and restore everyone s ability to sync and use it properly. Owner, please respond!

A Google user

5 years ago

Missing crucial feature, cannot add a photo to a debt. One of the biggest problems with debts is the person denying it exists! I take a photo of the person with the object being lend so they can't deny it!

A Google user

4 years ago

Do NOT pay for this app if you are wanting access to it's backup feature, "backing up" on this app downloads a zipped folder that you have to manually transfer to your new device, and then the app on the new device won't even accept the zipped folder! So i guess thats $4 down the drain

A Google user

5 years ago

great app, keeps me up to date with all my debts and outstanding payments, ability to do recurring payments, payment due date, periodical payments, email and sms reminders, was such a handy app i bought the paid version to unlock extra features, app is 100 percent with the purchase price, has paid for itself many times over by causing me not to forget any outstanding debts... would give 10 stars if possible, number 1 app on my phone..

Amir

2 years ago

2022 Update: The website and sync have now stopped working as well. Back up your data and move somewhere else before it's too late. Original review: Abandonware. Does not honor purchased Pro license. Developer never responds to any inquiry. Last updated in 2018, but is asking for a monthly subscription. SCAM!

Somu Selvaraj

3 years ago

Very impressive app for quick management of debt/credit's interest/principal amount paid/received management. I like it very much. I am Pro user. Only 4 star rating, because, I would use categories to categorise debt/credit like from which bank, which place, from which finance institutions, etc. Also, search option for any specific person or amount or bank (from the category) is lacking. If any payment due is missed, that debt/credit should come on top of the list with a different colour.

A Google user

6 years ago

Not as user friendly as I'd been lead to believe when reading other reviews. I upgraded to the pro version as it looked fantastic but I'm not happy with how it is recording payments. I also can't backdate owings as recurring payments. Eg. 4 weeks ago I wanted my son to start paying $75/week towards rent. I enter the first debt amount and set it as being due back then (30 Sept) and flag it as recurring on a weekly basis with the next debt scheduled on 7 Oct but it won't allow this to be a date prior to today. It would seem this app doesn't work well for slightly older debts. Sorry but I can't work with this. Not very user friendly and I can't even send a simple email to the developers without having to enter a password and I am confused.

Dylan Horkin

2 years ago

Pretty good, but it seems like the developer has abandoned it (last update 4 years ago). I mainly use it to track rent/delivery orders with my roommate. It's missing a handful of small features (like being able to see a graph of debt over time, or having the recurring debts apply to an existing debt rather than creating a new entry) that would make this a truly great app. I'd be willing to pay for Pro if that were implemented, but it seems unlikely to happen.

Gene Steinbacher

1 year ago

The app is perfect for me because I just need a simple debt tracker which is exactly what this is. The problem I have is whenever I try to create an it tells me my password must be at least 6 characters even when it is. Because I can't do this I will lose all my data if I get a new phone (which just happened) or I have to reset my online. I will likely give 5 stars if this is fixed.

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