Free IOU Template & Debt Tracker - Track Who Owes You
The best way to track shared expenses, IOUs, and debts in relationships and groups. Record money lent and borrowed, log payments, send reminders, and manage debts across multiple currencies. Free IOU template with PDF export — 100% private, available in 22 languages.
Free to use. No credit card required.
Track IOUs
Record who owes you and who you owe — with amounts, dates, reasons, and notes. Never forget a personal loan again, whether it's $5 for coffee or $500 for rent.
Record Payments
Log partial or full repayments as they happen. See a complete payment timeline for every debt, so both sides always know exactly where things stand.
Share Reminders
Generate a shareable link to send friendly payment reminders. The recipient doesn't need an account — they just see the amount owed and status.
Dashboard Overview
See all your active IOUs at a glance: who owes you, who you owe, total balances, and settlement progress. Filter by status, date, or person.
Multi-Currency
Track debts in USD, EUR, GBP, JPY, TWD, and 50+ other currencies. Ideal for splitting expenses during international trips or with overseas friends.
Private & Secure
Your financial data is encrypted and private. Sign in with Google or email to sync across devices. We never share your information with third parties.
How It Works
1. Add a Debt
Enter who owes whom, the amount, and a brief reason. It takes less than 10 seconds.
2. Track Payments
As money gets paid back, log each payment. The balance updates automatically.
3. Settle Up
When the debt is fully repaid, mark it settled. Your history stays for your records.
Frequently Asked Questions
For personal record keeping only. Not a legal document.