Track shared expenses, split bills, and instantly see who owes whom. What makes it different: it helps you communicate about money. AI Follow-Ups generate polite, context-aware messages using your real history with a person — amounts, timing, and past payments — not generic templates. Built over years, it includes everything you expect from a serious debt tracker while removing the awkwardness that costs money and relationships.

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Hey Product Hunt 👋 I built You Owe Me after seeing how often money issues damage relationships — not because of big amounts, but because of awkward communication. Most loan or IOU apps focus on numbers. I realized the real problem is what happens after: reminding someone, following up, and not sounding rude or uncomfortable. That’s why You Owe Me combines a full-featured loan & debt tracker with AI Follow-Ups that generate polite, context-aware messages based on your real history with a person — amounts, timing, and past payments — not generic templates. The app has been built and refined over years based on real use, and my goal is simple: 👉 help people get their money back without losing friendships. I’d love your feedback — especially if you’ve ever had an awkward money situation with friends, family, or clients. Happy to answer any questions! — Ievgenii

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Loan Tracker: You Owe Me

Track debts without awkward conversations

Track debts without awkward conversations