simpleIOU
Money in. Money out.Made simple.
One calm dashboard for the IOUs you're owed, the subscriptions you forgot, and the loans you want gone. Any currency, any device — and it never connects to your bank.
- 100% free — unlimited entries
- No card required
- Private by design
Net position
+£306.70
Owed to you
£341.50
You owe
£34.80
Emma W.
Bristol flat deposit
+£215.00
Jul 23
James P.
Euro trip spending
−£34.80
Jul 4
Oliver C.
Glastonbury tickets
+£126.50
Jul 6
Up and running in under a minute.
Three steps. No setup, no bank linking, no spreadsheet.
Log it
Add an IOU, subscription, or loan in under 10 seconds. Pick a contact, enter the amount, and you're done.
Track it
See live totals, due dates, and net positions at a glance. Multi-currency support included.
Clear it
Mark paid, archive what's done, and let payoff forecasts show you the path to debt-free.
01
IOUs with friends
Money owed. Records kept.
Log loans in both directions, mark paid, archive. Full per-person history so you always know who owes who — even months later.
- Swipe to mark paid or archive
- Pick existing contacts — no retyping
- Per-contact running balance
- Net position pill at the top
Net position
+£306.70
Owed to you
£341.50
You owe
£34.80
Emma W.
Bristol flat deposit
+£215.00
Jul 23
James P.
Euro trip spending
−£34.80
Jul 4
Oliver C.
Glastonbury tickets
+£126.50
Jul 6
02
Subscriptions
Every subscription, in one simple list.
See monthly totals and next-due dates at a glance. No more surprise renewals on cards you forgot about.
- Monthly + yearly totals computed for you
- Next-due markers, ordered by date
- Multi-currency: keep CHF, EUR, USD apart
- One tap to cancel or reopen
Monthly total
£94.96
Netflix
£17.99/mo
Next · in 3 days
Spotify Family
£21.99/mo
Next · in 12 days
Adobe CC
Monthly · renews Aug 3
£54.98
in 3 days
03
Credit cards & loans
Balance, APR, payoff — all in one place.
Track every card and loan with balance, APR and minimum payment. Smart forecasts show when you'll hit zero — even when balance drops below the minimum.
- Auto payoff projection per card
- Minimum-payment aware math
- Color-coded urgency
- Tap a card to see the full forecast
Total owed
£9,190.00
Debt-free
Oct 2029
HSBC Credit Card
£2,340.00
Halifax Car Finance
£6,850.00
New features. Same simplicity.
We've been busy. Here's what's landed in the last few releases.
Multi-currency
Pick your account currency with a flag picker. CHF, EUR, DKK, USD — every entry stays clean.
Calendar view
See subscriptions, loan payments and IOU due dates on one monthly calendar.
Payoff forecasts
Smart projections that adapt when your remaining balance drops below the minimum payment.
Swipe to act
Swipe an entry to reveal quick actions — mark paid, archive or delete. Or swipe between tabs — IOUs, Subs, Debts, Calendar.
Net position at a glance
Color-coded stat pills at the top of every page. Tap one to filter the list below.
Due-date awareness
Renewal dates, minimum payments, next-due markers — never blindsided again.
Pricing
Free.Actually free.
Unlimited IOUs, subscriptions and loans — no card, no trial, no plan tiers, no upsells.
No payments. No tracking of your finances. Ever.
Made for the awkward money moments.
No more “you still owe me” texts
Track who owes who between friends and flatmates in one place, so a quick glance replaces the awkward reminder text.
Know which card to clear first
Payoff forecasts project when each balance hits zero, so you can decide where an extra payment does the most work.
Totals that survive different currencies
Log subscriptions and IOUs in CHF, EUR, USD or GBP and keep one accurate account total — no mental math, no drift.
Know who owes whatby tonight.
Add your first IOU in under a minute — free, private, and nothing to install.
Free to use today. No card required.