Who owes you: IOU tracker
You forgot. IOUly didn't.
Competitors force you to create an account and bombard you with popups, or they look like they were made in 2015. IOUly is the third option: clean design, no account, nothing in your way.
IOUly is a clean, account-free personal ledger app for iOS and Android that tracks money and physical items you lend or borrow, supporting partial payments, automated reminders, and offline privacy.
Lending money to friends shouldn't be awkward
You lend money or a tool. Time passes. You forget, they forget, and bringing it up feels uncomfortable.
The Old Way
Competitors force you to sign up for accounts, harvest your email, spam you with notifications, or look like abandoned software from 2015.
The IOUly Way
Open the app, type an amount and a name. Done. No login, no cloud delay, no ads. A quiet personal ledger on your phone that keeps everything clear.
Everything you need. Nothing in your way.
Built for clarity, speed, and privacy.
Core Ledger & Tracking
See who owes you at a glance
The home screen shows clear live totals for "Owed to you" and "You owe" with real balances.
Add a record in 10 seconds
Pick direction, type, amount, and person. Only person and amount are required.
Items too, not just money
Track borrowed power tools, camera gear, or books with categories and return tracking.
Pick a contact
Select directly from your phone's address book without manually typing names.
Smart Follow-ups & Control
Partial payments
Track partial repayments with remaining balance calculation, progress bars, and full payment histories.
Automatic reminders
Get a notification on the due date; you don't even have to open the app.
Ready-to-send reminder message
A prepared WhatsApp/SMS text so you never have to figure out how to ask.
Blacklist
Flag whoever never gave items back and get warned before lending to them again. Stays on device only.
Data Control & Customization
History archive
Filter closed and settled records easily by direction, type, and amount.
Your currency
Detected automatically from device settings. Supports 45+ currencies or add custom ones.
PDF export & full backup
Export clean PDF summaries or take your full raw data out whenever you want.
Real dark mode
Sleek, high-contrast dark theme designed to fit naturally on modern OLED screens.
Can I track partial payments?
Yes. Most ledger apps force an all-or-nothing balance. IOUly handles incremental payments naturally.
When someone pays back $555 on a $555 debt, or $850 of $1,800, IOUly calculates the exact remaining balance, updates a visual percentage progress bar, and archives a complete timestamped payment log.
Clean design in action
Every screen is designed for speed and clarity.
1. Add a record
Set amount, contact, and optional reminder in seconds.
2. Record details
Add partial payments or send instant reminder messages.
3. Private blacklist
Keep track of non-payers privately on your device.
4. Settled history
Archived past debts and returned items filtered easily.
Where is my data stored?
100% local on your phone. No cloud account required.
IOUly stores all your financial records directly on your device. We don't have servers holding your ledger, we don't ask for your email, and we don't sell data to advertisers.
No Sign-Up
Open the app and use it instantly. No passwords, no social logins.
No Third-Party Trackers
No ad SDKs or telemetry scripts recording your debts.
Local File Backup
Export your data as a local file or PDF whenever you choose.
Free vs Pro
Honest pricing. Generous free tier. Pay once if you prefer.
Free Tier
Everything you need to manage active debts.
- Up to 5 active records
- No account required
- Zero ads
- Works completely offline
- Money & item tracking
IOUly Pro
For power users who want unlimited records and extras.
Or $14.99/year · Or Lifetime One-Time Payment
- Unlimited active records
- Repeating & early reminders
- Ready-to-send WhatsApp / SMS text
- Private blacklist feature
- PDF export & full local backup
Frequently asked questions
Quick answers to everything you need to know.
IOUly is a personal ledger app for iOS and Android that tracks money and physical items you lend to or borrow from friends.
No, IOUly requires no account, sign-in, email address, or social login.
Yes, IOUly works completely offline with all data saved directly on your local device.
Yes, IOUly lets you record partial repayments with remaining balances, progress bars, and timestamped payment history logs.
Yes, IOUly tracks physical items such as power tools, cameras, and books alongside money, complete with categories and return dates.
Yes, IOUly is free to download and supports up to 5 active records with no ads.
IOUly schedules automated local notifications on the due date so you never have to remember to check.
All your data is stored locally on your device; nothing is uploaded to external cloud servers.
Yes, you can export your full ledger as a PDF document or export a local file backup whenever you wish.
IOUly automatically detects your device currency and supports over 45 currencies plus custom entries.