Free IOU Generator — Create & Print IOU Templates

What Is an IOU?

An IOU ("I Owe You") is a written acknowledgment of a debt between two parties. While not always legally binding, it serves as an important record of money borrowed and the terms of repayment. Our free IOU generator helps you create a professional document in seconds.

A proper IOU should include the names of the lender and borrower, the amount owed, the date of the loan, the reason (optional), and any repayment deadline. This generator creates all of these fields for you automatically.

Once you've created your IOU, you can print it for physical signatures or use NowTo IOU to track repayments digitally — with payment history, reminders, and multi-currency support.