Loan Tracker: You Owe Me

Track who owes what, keep every loan separate, and build repayment plans that stay current as real payments happen.

YouOweMe is a loan, IOU, debt, and shared-expense tracker for friends, family, couples, roommates, freelancers, and small businesses. Record what you lent, borrowed, paid, or received. Every entry updates a clear running balance and history for each person, so you never have to piece the details together from chats, notes, or memory.

LOANS & FLEXIBLE REPAYMENT PLANS

Give each important loan its own name, remaining balance, payment history, interest terms, due date, and status—while it still contributes to your total balance with that person. Start with a new loan or bring in one already underway using its current balance.

Add an optional repayment plan when a loan will be paid back over time:

• Compare lower-payment, balanced, and faster-payoff options
• Build around a payment amount, payoff date, or number of installments
• Choose weekly, every two weeks, or monthly payments
• Choose no additional interest, a fixed total interest amount, or annual interest on the remaining principal
• See the full schedule, next payment, projected payoff, and whether the plan is on track, ahead, or overdue

This is more than a loan calculator. The plan stays connected to the real loan record. Log a partial, full, early, or extra payment, and YouOweMe updates what remains, the schedule, the projected payoff, and the next reminder. If more money is added to the loan later or an entry is corrected, the plan recalculates without erasing the history.

CLEAR RECORDS & EASY SHARING

Create clean PDF statements from your real records. Share a focused loan summary with the remaining balance, payments, interest, due date, and optional repayment-plan details. Add your logo or payment information when you need a more professional document.

Share an always-current Live Link that opens in a browser—no app install required for the viewer. When both people use YouOweMe, Balance Sync can keep supported balance entries aligned across both phones.

REMINDERS THAT KEEP UP

Set reminders for due dates, bills, balances, follow-ups, or a specific repayment plan. A plan reminder follows the next unpaid installment and updates after partial, full, or extra payments. Record a payment directly from the reminder and keep the ledger current.

BUILT FOR MONEY THAT CHANGES OVER TIME

• One running balance per person, with partial repayments and settlement history
• Recurring entries for rent, utilities, subscriptions, and regular costs
• Equal or custom splits and Group Paybacks
• Relationship Timeline and Balance Replay
• Multi-currency tracking, Voice-to-Entry, and CSV export
• Spaces for personal, family, and work records
• Face ID / Touch ID lock
• Optional cloud sync across your devices
• Works offline, with no mandatory sign-up to get started

HELP WITH THE CONVERSATION

Need to send a follow-up, ask for a loan, or give a repayment update? Money Conversations can draft a clear, respectful message from your real balance and history. Smart Money Check-Ins help you notice when action may be useful.

Helping people keep shared money clear since 2016.

Keep the record. Plan the repayment. Always know what comes next.

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