Work · alternatives · 2026

24 alternatives to PayMeLater IOU Friend Debt Tracker

Remember who paid and stop arguing

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. PayMeLater IOU Friend Debt Tracker launched in 2024; newer entries below may have overtaken it.

1. 1
   iLend▲201

   Keep track of the things you lend and borrow.

   2017 · its alternatives →

2. 2
   Notion Debt Tracker▲75

   Pay your debt obligations on time with Notion debt tracker

   2023 · its alternatives →

3. 3
   IOweU▲3

   Track who owes what — money, items, favors. Free

   Jul 2026 · iou.2genio.us · its alternatives →

4. 4
   IOU▲86

   Scan any receipt and split the tab with your friends

   2021 · its alternatives →

5. 5
   PayMeBack.lol▲143

   Simple, no-nonsense group expense tracking

   2024 · paymeback.lol · its alternatives →

6. 6
   Trexy | Track Expenses Easily▲88

   Track expenses and debts easily with multi-currency support.

   2021 · its alternatives →

7. 7
   PayMeLater IOU Tracker + Bill Splitting▲3

   Split bills with multiple friends simply with Drag and Drop

   Aug 2026 · paymelater.app · its alternatives →

8. 8
   Dibs — Friendly Debt Tracker▲6

   Track money between friends and family. Offline, simple.

   Jan 2026 · dibs.pablogamero.com · its alternatives →

9. 9
   OweMate - Debt & Loan Tracker

   Smart debt tracker with AI-powered payment reminders

   Apr 2026 · apps.apple.com · its alternatives →

10. 10
    Payback: Money & Expenses▲8

    Track who owes what — without a login or a bank connection

    Jun 2026 · apps.apple.com · its alternatives →

11. 11
    Reclaim▲6

    Track IOUs, split costs, and reclaim what's yours.

    May 2026 · getreclaim.app · its alternatives →

12. 12
    Loan Tracker: You Owe Me▲2

    Track debts without awkward conversations

    Jan 2026 · midoris.github.io · its alternatives →

13. 13
    UnDebt: Debt Tracker App▲17

    Getting ahead of your debts should be free.

    2025 · apps.apple.com · its alternatives →

14. 14
    OweFlow

    Track loans & IOUs so you never forget who owes what

    Dec 2025 · play.google.com · its alternatives →

15. 15
    Expense Tracker▲15

    Your simple, no-noise personal finance buddy.

    2025 · github.com · its alternatives →

16. 16
    You owe me!▲3

    Money and item debt tracker for the unforgetting

    2019 · its alternatives →

17. 17
    Lend Helper▲5

    Straightforward IOU/lend tracking app.

    2020 · its alternatives →

18. 18
    Wesplit▲11

    Track group bills in 160+ currencies and share anonymously

    2024 · web.wesplit.app · its alternatives →

19. 19
    Detally▲3

    Track debts naturally with simple chat messages Offlinefirst

    May 2026 · play.google.com · its alternatives →

20. 20
    Bill Split - Money Splitting App▲13

    Share Bills & Track Expenses

    2025 · its alternatives →

21. 21
    SevenBill App▲10

    A simple, easy-to-use expense manager and tracker app

    2025 · its alternatives →

22. 22
    PennyPal - Expense Tracker & Budget App▲8

    Track expenses and manage finance with personal finance app.

    2024 · play.google.com · its alternatives →

23. 23
    SplitMatePro▲3

    Split bills, track expenses, and settle up with friends.

    Jul 2026 · splitmatepro.com · its alternatives →

24. 24
    FinMate▲11

    Your smart expense tracker

    2025 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →