
IOweU
Track who owes what — money, items, favors. Free
2 followers
Track who owes what — money, items, favors. Free
2 followers
IOweU tracks IOUs between people — money, borrowed items, chores, favors. Either side creates the IOU, the other confirms, so there's no arguing later. Reminders when things are out too long. Free on iPhone & Android, Swiss-made, GDPR-compliant, in 14 languages.









Hi Product Hunt! 👋
I'm Sean, a solo developer from Switzerland, and I built IOweU because of a problem everyone knows: my friends and I could never remember who paid for what, and my stuff — chargers, books, tools — kept disappearing into other people's homes forever.
Expense-splitting apps only handle money. IOweU tracks anything someone owes: cash, borrowed items, chores, favors, even "you owe me a cinema ticket." The key idea is that both sides confirm every IOU — one person creates it, the other accepts it — so there's no arguing later about what was agreed.
It's completely free, no ads, works on iPhone and Android, and speaks 14 languages. Swiss-made and GDPR-compliant, because your debts are nobody else's business.
I'd genuinely love your feedback — especially on what you'd want to track that no app lets you today. Ask me anything!