Debes: Who owes me? Do I owe? im Vergleich zu Loan Tracker: You Owe Me Nutzung und Statistiken

Stop losing money over forgotten loans — and stop stressing about what to say when money is involved. Most money apps focus on numbers. YouOweMe helps you handle the conversation too. YouOweMe is a loan tracker, IOU, and debt app for friends, couples, families, roommates — and small businesses who want to track shared expenses, client payments, repayments, and balances clearly and professionally, without awkward conversations. Log what you borrow or lend, split bills, track balances — and when it’s time to talk about money, use built-in Money Messages. Money Conversations (Follow-ups, Ask for Loan & Repayment Updates) The hardest part about money is often not the math — it’s the message. Money Conversations give you three ready-to-send message types based on your real balances and history: • Follow-Up — when someone owes you and you want to check in • Ask for Loan — when you need to borrow money clearly and respectfully • Repayment Update — when you owe someone and want to communicate your plan Choose the tone (friendly, polite, or firm), adjust details if needed, and generate a message written from your actual situation. Messages include a clear breakdown of the balance and can include a secure summary link — so the other person can view details without installing the app. No awkward wording. No emotional pressure. Just clear communication built on real numbers. Whether you’re tracking money friends owe you, splitting shared expenses, managing IOUs, handling repayments, or keeping client payments clear, YouOweMe gives you a clean, simple alternative to spreadsheets and manual reminders. Professional Statements & PDFs For situations where you need something more formal, YouOweMe lets you generate clean, professional PDF statements from your records — with the option to add your own logo or image for a more polished look. Perfect for: • small businesses and freelancers • shared expenses with clients • clear repayment summaries • interest-based or long-term balances Statements are easy to share, clearly formatted, and reflect your real data — helping everyone stay aligned and avoid misunderstandings. Voice-to-Entry (Add loans without typing) Just speak naturally: “I lent Alex 30 euros for groceries yesterday.” YouOweMe automatically creates the correct entry with names, amounts, categories, and dates. Smart Payment Reminders Set reminders for payments you need to collect or repay. Perfect for one-time IOUs, payback dates, and recurring bills — so nothing gets forgotten. Built for real-life money tracking • Automatic running balance showing who owes whom • Split expenses in one tap (equal or custom) • Clear borrow & lend timeline • Instant sharing of clean summaries • Recurring entries for rent, utilities, subscriptions • Interest tracking for long-term balances • Professional PDF generation • Sync across devices + multiple cloud profiles • Face ID / Touch ID lock • Works offline • No mandatory sign-up to get started YouOweMe helps you keep money clear and conversations calm — so relationships don’t suffer over forgotten payments. Download YouOweMe and turn everyday money moments into simple, resolved conversations. Track loans. Send the right message. Get paid without stress. Learn more: https://midoris.github.io/loan-tracker-you-owe-me/ By using this app you agree to Apple’s standard Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/