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, and reasons.
Record Payments
Log partial or full payments and keep a complete payment history.
Share Reminders
Send friendly payment reminders via a shareable link.
Dashboard Overview
See all your IOUs at a glance with totals and status summaries.
Multi-Currency
Track debts in any currency. Perfect for international transactions.
Private & Secure
Your data stays private. Sign in to sync across devices.
For personal record keeping only. Not a legal document.