Track every IOU,
subscription & loan.
One calm dashboard for the money owed to you, your recurring bills and your debts — in any currency, on any device.
Free forever for up to 5 IOUs, 5 subscriptions & 5 loans. No card required.
Money in, money out. Never forgotten.
Log loans in both directions, mark paid, archive. Full per-person history so you always know who owes who — even months later.
- Swipe to mark paid or archive
- Pick existing contacts — no retyping
- Per-contact running balance
- Net position pill at the top
Net position
+£248.00
Owed to you (GBP)
340
You owe (GBP)
92
Alex
Concert tickets
Jordan
Groceries
Sam
Rent split
Every recurring bill, in one calm list.
See monthly totals and next-due dates at a glance. No more surprise renewals on cards you forgot about.
- Monthly + yearly totals computed for you
- Next-due markers, ordered by date
- Multi-currency: keep CHF, EUR, USD apart
- One tap to pause or archive
Monthly total
€82.40
Netflix
€19.90/mo
Next · in 4 days
Spotify Family
€21.95/mo
Next · in 11 days
iCloud+ 200GB
Yearly · renews Mar 12
Balance, APR, payoff — finally one place.
Track every card and loan with balance, APR and minimum payment. Smart forecasts show when you'll hit zero — even when balance drops below the minimum.
- Auto payoff projection per card
- Minimum-payment aware math
- Color-coded urgency
- Tap a card to see the full forecast
Total owed
$10,560
Debt-free
Jul 2028
Visa Platinum
18.9% APR · $65 min
$2,140
62% paid off
Car loan
4.5% APR · $240 min
$8,420
28% paid off
Built up. Built better.
We've been busy. Here's what's landed.
Multi-currency
Pick your account currency with a flag picker. CHF, EUR, DKK, USD — every entry stays clean.
Calendar view
See subscriptions, loan payments and IOU due dates on one monthly calendar.
Payoff forecasts
Smart projections that adapt when your remaining balance drops below the minimum payment.
Swipe to act
Swipe right to mark paid, left to archive. Or swipe between tabs — IOUs, Subs, Debts, Calendar.
Net position at a glance
Color-coded stat pills at the top of every page. Tap one to filter the list below.
Due-date awareness
Renewal dates, minimum payments, next-due markers — never blindsided again.
Simple pricing
Start free. Upgrade when you outgrow it.
Free
Everything you need to stop losing track.
- Up to 5 IOUs
- Up to 5 subscriptions
- Up to 5 loans / credit cards
- Multi-currency, calendar & forecasts
- Mobile + desktop
IOU Pro
Most popularFor people juggling real money flow.
- Unlimited IOUs, subs & loans
- Due-date reminders
- Advanced payoff scenarios
- Export to CSV
- Priority support
Secure payments by Paddle. Cancel anytime.
Frequently asked
What do I get on the free plan?+
Up to 5 IOUs, 5 subscriptions and 5 loans / credit cards — plus multi-currency, calendar view and payoff forecasts. No card required.
Is my data private?+
Yes. Every row is locked to your account with row-level security. We never see your individual entries.
Can I use this on mobile?+
simpleIOU is mobile-first. It works perfectly in your phone browser — add to home screen for an app feel, and swipe between tabs like a native app.
Which currencies are supported?+
CHF, EUR, USD, GBP, DKK and more — pick your account currency from a flag picker in settings.
5 IOUs · 5 subscriptions · 5 loans — on the house.