Track IOUs without the awkwardness
A chat-style app to quickly record money owed between friends and family. Split bills, share balances, and settle up — all in one place.
7-day free trial • No credit card required • Cancel anytime
Welcome to IOUhub! Try typing something like:
- • "Sam owes me £12 for lunch"
- • "Add Amy"
- • "Show balances"
Sam owes you £12.00 for lunch.
Category: Meal
Everything you need to track IOUs
Simple, fast, and designed for how people actually lend money to friends.
Chat-style entry
Just type naturally. "Sam owes me £20" or "Lent Amy cash for tickets". No forms, no fuss.
Bill splitting
Split restaurant bills, Uber rides, or holiday costs. Upload a receipt and we'll help you divvy it up.
Share balances
Send friends a secure link so they can see what they owe. No awkward conversations needed.
Multi-currency
Track IOUs in GBP, EUR, USD, or any currency. Perfect for holidays and international friends.
Receipt upload
Snap a photo of your receipt as a reference. Keep everything organised in one place.
Secure & private
Your data is yours. Share links are protected with one-time passcodes and expire automatically.
How IOUhub works
Get started in seconds. No complicated setup required.
Type naturally
Just tell us who owes what. "Tom owes me £15 for pizza" — we'll understand.
Confirm and track
Review the details and confirm. Your balances update instantly and are always up to date.
Share and settle
Send friends a link to view their balance. When they pay, mark it as settled.
Simple, transparent pricing
Choose the plan that works for you. All plans include every feature.
Yearly
Billed annually
Just £0.83/month
- All features included
- Save £25.89/year
Lifetime
One-time payment
Pay once, use forever
- All features included
- Never pay again
All plans include a 7-day free trial. No credit card required to start.
Stop keeping IOUs in your head
Join thousands of people who've simplified how they track money between friends.
Get started for free