Everything simpleIOU does
One calm dashboard for the IOUs you're owed, the subscriptions you forgot, and the debts you want gone — multi-currency, with due-date markers and payoff forecasts.
Money owed, never forgotten
Log loans in both directions — money owed to you and money you owe — then mark paid or archive when they're settled.
- Track IOUs in both directions
- Mark paid or archive in one tap
- Per-contact running balance and full history
- Net position pill at the top of the page
Every recurring bill in one calm list
See what's leaving your account each month and what's coming up next, so renewals never catch you out.
- Monthly + yearly totals computed for you
- Next-due markers, ordered by date
- Multi-currency — keep CHF, EUR, USD apart
- One-tap pause or archive
Balance, APR and payoff in one place
Track every card and loan with its balance, APR and minimum payment — and let smart forecasts show when you'll hit zero.
- Balance, APR and minimum payment tracking
- Automatic payoff forecast per card
- Adapts when the balance drops below the minimum
- See the full forecast for any card
Across everything
The details that make IOUs, subscriptions and debts feel like one tidy app.
Multi-currency
Pick from CHF, EUR, USD, GBP, DKK and more with a flag picker. Every entry stays clean.
Calendar view
IOU due dates, subscription renewals and loan payments together on one monthly grid.
Swipe gestures
Swipe right to mark paid, left to archive, or sideways to move between tabs.
Due-date awareness
Renewal dates, minimum payments and next-due markers — never blindsided again.
Mobile + desktop
Works beautifully in any browser, on your phone or your laptop.
Install to home screen
Add simpleIOU to your home screen (PWA) for an app-like feel.
Secure cloud sync
Every row is locked to your account with row-level security and synced across devices.
Optional guest mode
Start instantly without an account — your entries stay in your browser until you sign up.
Start tracking today
Completely free — unlimited IOUs, subscriptions & loans.