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IOweU tracks IOUs between people — money, borrowed items, chores, favors. Either side creates the IOU, the other confirms, so there's no arguing later. Reminders when things are out too long. Free on iPhone & Android, Swiss-made, GDPR-compliant, in 14 languages.
Hi Product Hunt! I built IOweU because my friends and I kept forgetting who paid for what and whose charger ended up in whose bag. Existing apps only did money splits, so I made one that tracks anything — cash, borrowed stuff, favors — with both sides confirming so it stays fair. It's free, no ads on your debts, and I'd love your feedback!
the mutual confirmation system is honestly so smart, that alone would get me to use it over a spreadsheet. one thing i'd love is the ability to mark an IOU as settled with a note like "paid back via venmo on tuesday" so there's a paper trail if someone claims they already paid. keeps everything clean and avoids any he-said-she-said down the road
Hi Product Hunt! 👋
I'm Sean, a solo developer from Switzerland, and I built IOweU because of a problem everyone knows: my friends and I could never remember who paid for what, and my stuff — chargers, books, tools — kept disappearing into other people's homes forever.
Expense-splitting apps only handle money. IOweU tracks anything someone owes: cash, borrowed items, chores, favors, even "you owe me a cinema ticket." The key idea is that both sides confirm every IOU — one person creates it, the other accepts it — so there's no arguing later about what was agreed.
It's completely free, no ads, works on iPhone and Android, and speaks 14 languages. Swiss-made and GDPR-compliant, because your debts are nobody else's business.
I'd genuinely love your feedback — especially on what you'd want to track that no app lets you today. Ask me anything!
About IOweU on Product Hunt
“Track who owes what — money, items, favors. Free”
IOweU was submitted on Product Hunt and earned 6 upvotes and 3 comments, placing #113 on the daily leaderboard. IOweU tracks IOUs between people — money, borrowed items, chores, favors. Either side creates the IOU, the other confirms, so there's no arguing later. Reminders when things are out too long. Free on iPhone & Android, Swiss-made, GDPR-compliant, in 14 languages.
IOweU was featured in Android (57.4k followers), iOS (110.5k followers) and Personal Finance (2.9k followers) on Product Hunt. Together, these topics include over 85.5k products, making this a competitive space to launch in.
Who hunted IOweU?
IOweU was hunted by Sean. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Sean