Lent a friend money? Track every loan and IOU in one place.
Record money you’ve lent or borrowed, set a due date, and log each repayment as it comes in. See exactly who owes you and who you owe — no more “didn’t I pay you back?” guesswork or scrolling through your bank app.
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Split The Bill is a free loan tracker and IOU app that keeps a running record of money you’ve lent to friends or borrowed from them. You log the amount, who it’s with, and what it was for, choose whether you lent it or borrowed it, and set a repayment schedule with due dates. As money comes back you tick off each repayment, and the app keeps two clear totals — how much is owed to you and how much you owe — in every currency you use. It’s the plain answer to the everyday question, “wait, who owes me money?”
How it works
- 1
Record the loan
Enter the amount, pick the person, and note what it was for — “€200 for concert tickets”. Choose whether you lent it (they owe you) or borrowed it (you owe them).
- 2
Set a repayment plan
Take it as one lump sum or split it into instalments — pay-me-back-in-four, monthly, whatever you agreed. Each instalment gets its own amount and due date.
- 3
Log repayments as they land
When money comes back, tick that instalment as repaid. The outstanding balance drops automatically and the loan marks itself repaid once the last instalment clears.
- 4
See who owes what
Two running totals sit at the top — “Owed to you” and “You owe” — kept per currency so a euro loan and a dollar loan never get mashed together.
- 5
Settle up and close it out
When a loan is fully repaid it drops off your active list into your history, so your outstanding view only ever shows what’s genuinely still open.
Everything a personal loan tracker should do
Lent or borrowed — both directions
Track money you gave someone and money you took from someone in the same place. Every loan is tagged “they owe you” or “you owe them”, and colour-coded so you never mix them up.
Repayment schedules and instalments
Split a loan into up to 120 instalments — the amounts divide evenly and the maths always adds back to the exact principal. Or keep it as a single payment. Your call.
Due dates on every instalment
Give each repayment a due date so you know what’s owed and by when. The schedule shows paid and pending instalments at a glance.
Who-owes-you totals, per currency
A live “Owed to you” and “You owe” summary sits at the top of your loans, bucketed by currency so an international IOU never gets lumped in with a local one.
Works in any currency
Lent someone pounds while you were abroad and borrowed euros back home? Each loan carries its own currency and your totals stay honest, one figure per currency.
Track a reason, not just a number
Every loan can carry a note — “rent deposit”, “festival ticket”, “covered your half of the taxi” — so months later you still remember exactly what the money was for.
Undo a mistake in one tap
Marked an instalment repaid by accident? Un-mark it and the balance snaps back. Loans can be cancelled too if the whole thing falls through.
Stop being everyone’s unpaid bank
Create a free account to record every loan and IOU, set repayment dates, and keep one clear tally of who owes you and who you owe.
Start tracking loans — freeFree forever plan. No card required.
What people track with it
Lending a friend money
You lent a friend €200 for concert tickets and agreed they’d pay you back over four months. Record the loan, split it into four €50 instalments, and tick each one off as it lands — no monthly “you still owe me” text needed.
Fronting a group cost
You put £480 on your card for the Airbnb and three friends owe you £120 each. Track each person as its own loan, watch the “Owed to you” total tick down as they transfer, and know instantly who’s still outstanding.
Money you borrowed
Your flatmate covered your $75 share of the utilities when your paycheck was late. Log it as borrowed so it sits under “You owe”, then clear it the moment you pay them back — nothing forgotten, nothing awkward.
A bigger, dated loan
You lent your sibling €1,000 toward a car, to be repaid €100 a month for ten months. Set ten dated instalments and check them off one by one, so both of you can see exactly what’s left without a spreadsheet.
Splitting the tab and settling later
After a weekend away you and a friend owe each other bits and pieces. Record the €65 you covered for petrol as an IOU, net it against what you owe them, and settle the difference once instead of five tiny transfers.
Why it beats a note in your phone
Nothing gets forgotten
The €40 you spotted someone three months ago is still there, with the date and the reason, so it counts when you finally settle up.
No awkward money chats
A clear, shared record means you point at a number instead of chasing people. “You owe” and “Owed to you” are never in dispute.
Always know where you stand
One glance tells you your total exposure — who owes you and how much you’re out — instead of adding it up in your head every time.
Fair down to the cent
Instalment amounts divide evenly and the last one absorbs any rounding, so the schedule always adds back to the exact amount you lent.
Ready when you are
Record a loan the second cash changes hands from your phone, or add it later from memory. The free plan covers everyday IOU tracking.
Tracking a loan: the old way vs. the app
Most people “track” money they lent with a mental note and a lot of trust. Here’s what changes when the app keeps the record instead.
| Tracking a loan: the old way vs. the app | ✗ | ✓ |
|---|---|---|
| Remembering the loan | A note in your phone, a screenshot of a transfer, or just hoping you’ll both remember. | Every loan is recorded with the amount, the person, the date, and what it was for. |
| Knowing who owes you | Add it up in your head across a few friends and probably undercount. | A live “Owed to you” total, per currency, that updates as repayments come in. |
| Partial repayments | Lose track after the first instalment and forget what’s left. | A repayment schedule where you tick off each instalment and the balance updates itself. |
| Chasing it up | Send an awkward text and hope you’ve got the amount right. | Due dates and a clear outstanding figure mean you both already know the score. |
| Different currencies | Mentally convert and lump a euro loan in with a dollar one. | Each loan keeps its own currency; totals stay separate and correct. |
Related tools and guides
Frequently asked questions
- How do I track money lent to friends?
- Record a loan with the amount, the friend’s name, and a note for what it was for, marked as “lent”. It appears under “Owed to you”, and you tick off repayments as they come in until the balance reaches zero.
- Can I track money I borrowed too?
- Yes. When you log a loan you choose the direction — lent or borrowed. Money you borrowed sits under “You owe”, so you always see both sides of your position in one place.
- Can I set a due date or repayment schedule?
- Yes. A loan can be a single payment or split into instalments — up to 120 of them — and each instalment can have its own due date. The schedule shows what’s paid and what’s still pending.
- How do I record a partial repayment?
- Split the loan into instalments and mark each one repaid as the money lands. The outstanding balance drops automatically, and the loan marks itself fully repaid once the last instalment clears.
- How do I see who owes me money?
- Your loans list shows a live “Owed to you” total at the top, alongside “You owe”, so a single glance tells you exactly who owes you money and how much is still outstanding.
- Does it work with different currencies?
- Yes. Each loan carries its own currency, and your “Owed to you” and “You owe” totals are kept separately per currency, so an international IOU never gets muddled with a local one.
- What if I mark a repayment by mistake?
- Just un-mark it. The instalment flips back to pending and the outstanding balance is restored. You can also cancel a whole loan if the arrangement falls through.
- How is this different from a bank loan?
- This isn’t lending or credit — Split The Bill doesn’t move any money or charge interest. It’s a personal debt tracker for informal IOUs between friends, flatmates, and family, so you both remember who owes what.
- Is the loan tracker free?
- Yes. The free plan covers everyday loan and IOU tracking — recording loans, setting due dates, and logging repayments. No card is required to get started.
