About NowTo IOU
Our Mission
NowTo IOU was created to solve a universal problem: keeping track of money between friends, family, and colleagues. Whether it's splitting a dinner bill, lending money to a roommate, or managing group expenses during a trip, informal debts are a part of everyday life — and they're easy to forget.
We built NowTo IOU to make personal debt tracking effortless, transparent, and free. No spreadsheets, no awkward text messages — just a simple tool that remembers who owes what, so your relationships stay strong.
Why People Choose NowTo IOU
100% Free
Track unlimited IOUs at no cost. No hidden fees, no trial period.
No App Install Needed
Works in any browser on any device. Just open and start tracking.
22 Languages Supported
Available in 22 languages including English, Spanish, Japanese, Chinese, Arabic, and more.
Share Without Sign-up
Send a debt reminder link to anyone — they don't need an account to view it.
Privacy & Security
- •All data is encrypted in transit and at rest
- •GDPR compliant — we respect your privacy rights
- •We never sell your personal data to third parties
- •You can delete all your data at any time from your account settings
Part of the NowTo Suite
NowTo IOU is part of a family of free online tools built by NowTo. Each tool is designed to solve a specific everyday problem simply and effectively.
NowTo IOU is a personal record-keeping tool. It is not a legal document and does not constitute a binding agreement. For legally enforceable IOUs, please consult a legal professional.