Question 1

What is simpleIOU?

Accepted Answer

simpleIOU is a private app to track IOUs between people, subscriptions, and loans or debts in one place. You enter everything manually, so it never links to your bank. It includes multi-currency support, a due-date calendar, per-contact running balances, and minimum-payment-aware payoff forecasts.

Question 2

Is simpleIOU free?

Accepted Answer

Yes — simpleIOU is 100% free. You get unlimited IOUs, subscriptions, and loans or credit cards, with no card required and no trial. Multi-currency, the due-date calendar, and payoff forecasts are all included.

Question 3

How much does simpleIOU cost?

Accepted Answer

simpleIOU is free to use. There are no paid plans, no in-app purchases, and no upsells.

Question 4

Do I need an account to use simpleIOU?

Accepted Answer

No, you can start instantly in guest mode, where your entries stay in your browser only. Creating a free account with email or Google backs everything up to the cloud so you can use it on any device. Guest data is not synced, so make an account before switching devices.

Question 5

Does simpleIOU connect to my bank?

Accepted Answer

No, simpleIOU never connects to your bank by design. You enter every IOU, subscription, and loan manually, so you never share bank logins, account numbers, or transaction data. This deliberate privacy choice means there is no automatic detection or syncing, but your financial details stay entirely yours.

Question 6

Is my data private with simpleIOU?

Accepted Answer

Yes, your data is private. When signed in, every record is locked to your account with per-user row-level security in Supabase, so no one else can read your entries. In guest mode, data stays only in your browser. Because nothing links to your bank, you never share login or transaction data.

Question 7

Can I use simpleIOU across multiple devices?

Accepted Answer

Yes, when you are signed in, your data syncs to your account and is waiting on any device you log into. Guest-mode data lives only in the browser where you created it and is not synced, so create a free account with email or Google before switching to a new phone or computer.

Question 8

Which currencies does simpleIOU support?

Accepted Answer

simpleIOU supports CHF, EUR, USD, GBP, DKK, and more, chosen from a flag picker in settings. Each individual IOU, subscription, or loan can also track its own original currency, so you can record a debt in one currency while keeping your account total in another.

Question 9

Can I use simpleIOU on my phone?

Accepted Answer

Yes, simpleIOU is mobile-first and runs in any phone browser with no app store download needed. You can add it to your home screen for an app-like experience, and swipe gestures let you mark items paid or archive them. A monthly calendar shows due-date and next-due markers.

Question 10

Can I export my data from simpleIOU?

Accepted Answer

You can request a full copy of your records at any time through the contact page, and simpleIOU honours GDPR data-portability requests. Self-serve CSV export is on the way but not yet available, so for now export happens on request rather than directly from your dashboard.

Question 11

How do I delete my data from simpleIOU?

Accepted Answer

You can delete any individual entry directly from your dashboard at any time. To erase your entire account and all associated records, request it through the contact page; simpleIOU honours GDPR and CCPA erasure requests. Guest-mode data clears when you remove it from your browser.

Question 12

Is simpleIOU financial advice?

Accepted Answer

No, simpleIOU is a personal money-tracking aid, not a bank, lender, or financial advisor. The figures, balances, and payoff forecasts it shows are estimates based on the data you enter manually. Use it to stay organised, but consult a qualified professional for actual financial decisions.

Frequently asked questions