Owe to Pay is an iOS app for managing shared expenses, allowing users to split bills, track balances, and settle debts within groups. Below are 25 personal finance & budgeting apps with similar functionality to Owe to Pay, matched by what each product actually does — not ranked or scored. Explore each to find the closest fit for your use case.
PayUp Messages is an iMessage app that lets users track who owes whom, manage shared expenses, and maintain a private ledger within conversations. It is ideal for roommates, friends, and couples who frequently split bills or lend money.
ByoPaisa is an iOS app that streamlines expense sharing for groups, trips, or roommates. It allows users to add expenses, manage groups, track balances in multiple currencies, and settle up easily. Designed for anyone needing to split and track shared costs.
MeoPay is an app for splitting bills and tracking group expenses, making it easy to manage shared costs among friends or roommates. It offers flexible bill splitting, group management, QR code payments, and real-time settlement tracking. Ideal for anyone needing to organize and settle shared expenses efficiently.
Cash Flow is a personal finance app for tracking informal debts and shared expenses among friends, family, and colleagues. It offers two-way transaction tracking, reconciliation, and balance summaries, making it easy to manage financial relationships and keep records organized.
Evere is an app for splitting bills and expenses among groups or individuals, supporting multiple currencies, offline recording, photo receipts, and real-time sync. It's ideal for group travel, roommates, or friends sharing costs.
DebtFlow is an iOS app designed to help users track money lent or borrowed between people, manage recurring debts, and set savings goals. It offers features like partial repayments, reminders, contact profiles, and multi-currency support. Ideal for individuals, freelancers, and small business owners managing shared expenses or personal debts.
Diviso.app is an expense splitting app for iOS that helps users track and settle shared costs with friends, family, or roommates. It offers receipt scanning, multi-currency support, group management, and transparent settlement flows. Ideal for anyone needing to manage group expenses efficiently.
BYOSW is an app for tracking and settling shared expenses among groups, roommates, or friends. It supports multi-currency transactions, custom split ratios, and aggregates debts for easy settlement, making group finances transparent and manageable.
Settld. is an app for splitting bills and tracking group expenses in real time. It allows users to assign items, send payment requests, and manage balances, making it easy for roommates and friends to settle shared costs efficiently.
SettleUp helps users split bills and track shared expenses with friends, family, or roommates. It offers group creation, custom categories, clear balance tracking, and smart suggestions to minimize payments, making group expense management straightforward.
Debt & IOU Tracker is an iOS app for managing personal debts, receivables, and shared payments. It provides a simple interface to add people, record amounts, set due dates, and track net balances, helping users stay organized with their finances.
Plonq is a mobile app designed to simplify splitting bills and expenses among friends. It offers features like group management, payment integration, and monthly recaps, making settlements straightforward and fair.
IOU – Due & Lend Tracker is an iOS app for managing personal debts and loans. Users can log transactions, set due date reminders, view transaction history, and export summaries, making it easy to track money lent or borrowed with friends and family.
Splitsies is an app for iOS that helps users split bills and track shared expenses with friends or housemates. It offers features like item-based splitting, receipt scanning, and clear summaries of who owes what, making group payments hassle-free. Ideal for social gatherings and shared living situations.
Spliteo is an iOS app for splitting bills and managing shared expenses among groups. It offers real-time balance tracking, group management, debt settlement, and multi-currency support, making it ideal for roommates, friends, and travel companions.
Goami helps users track and split shared expenses with groups, offering real-time sync, flexible split options, and clear balance tracking. It prioritizes privacy, supports anonymous accounts, and is suitable for roommates, couples, and travel groups.
Orion Trip Ledger is an iOS app designed to help groups of friends manage and split expenses during shared trips. Users can add expenses, choose split methods, track repayments, and review a detailed activity timeline, making group travel finances transparent and hassle-free.
Payment Tracker: PayPing is an app for tracking bills, subscriptions, and expenses. It offers reminders, calendar views, custom categories, and offline support, helping users manage their finances and avoid missed payments.
Splitrate helps users manage recurring expenses, split costs with others, and set budgets and savings goals. It offers flexible splitting options, reminders, and clear overviews of who owes what. Designed for roommates, couples, or anyone needing to track shared or personal finances.
Billy is a mobile app that simplifies splitting bills among groups by using AI-powered receipt scanning and intuitive drag-and-drop item assignment. It supports shared item splitting, integrates with Venmo, and manages bill history, making it ideal for friends, roommates, and anyone sharing expenses.
Child Expenses is an app for iOS that enables families and co-parents to track, split, and settle shared child-related expenses. It features real-time balance updates, iCloud sync, custom splits, and Apple Watch support, making expense management simple and collaborative for modern families.
BillDog is a mobile app designed to help friends, families, and teams track shared spending and settle group expenses efficiently. It supports flexible participant management, automatic split calculations, and privacy-focused local bookkeeping. Ideal for trips, outings, and team events.
Splitko helps users manage and split group expenses efficiently, featuring AI-powered receipt scanning, multi-currency support, and smart debt optimization. It supports Revolut integration for easy settlements and offers roles for group management. Ideal for friends, roommates, or teams sharing costs on trips or events.
Debt & Goal Tracker is a personal finance app that enables users to track debts, set savings goals, and monitor financial progress through a clear dashboard. It simplifies managing loans, credit cards, and savings, making it easier for individuals to stay on top of their financial objectives.
FairPay uses AI to scan receipts, extract items, and proportionally split group bills, including tax and tip. Users can assign items to friends and share the final breakdown. Ideal for groups dining out who want a fair, fast way to settle shared expenses.
