Loan Tracker: You Owe Me

YouOweMe is an iOS loan tracker (IOU / debt app) that helps you track who owes whom — and makes the hardest part easier: the money conversations. With AI Follow-Ups, you can generate a polite ready-to-send payback message (with a clear breakdown), so you don’t waste time “wording it right” or avoiding reminders.

Best for: • Tracking money friends owe you (or you owe them) • Shared expenses and split bills (equal or custom splits) • Keeping a clean timeline of borrow/lend history • Small business / client payments without spreadsheets

Key features: • AI Follow-Ups: Generate a polite message to request payment with a clear breakdown (optional shareable summary link). • Voice-to-Entry: Add entries by speaking naturally (names, amounts, categories, dates). • Smart Reminders: One-time and recurring reminders for repayments and regular bills. • Running balance: Always see who owes whom and how much. • Recurring entries: Great for rent, subscriptions, utilities. • Interest rate tracking: For long-term or larger amounts. • Sync + multiple profiles: Use across devices with multiple cloud profiles under one login. • Privacy: Face ID / Touch ID lock. • Works offline and no mandatory sign-up to start.