Help

Adding an IOU

Tap the + button on Home or Entries. Choose whether you lent or borrowed money, who it's with, the amount, and optionally their phone number, a note, a due date, and a photo, video, or voice note as proof.

Recording a repayment

Open an entry and enter the amount that was paid, or use the Half or Full buttons to fill it in automatically. Every repayment is kept in that entry's timeline — none of them can be edited afterward, only added, so the history stays trustworthy.

What the status badges mean

Open — nothing paid yet. Partial — some of it has been paid back. Overdue — past its due date with money still outstanding. Settled — fully paid, shown with a checkmark and a line through the name.

Finding an entry

Tap the search icon on Home, or use the search bar and filter chips (All, Owed to me, I owe, Overdue, Settled) at the top of the Entries tab. Entries for the same person are grouped together — tap a group to expand it.

Calling someone about an entry

If an entry has a phone number, a Call button appears on its detail screen — colored red once it's overdue, as a nudge.

Currency and date format

Settings → Region lets you change the ledger's currency (this relabels existing entries; it doesn't convert the amounts) and how absolute dates are displayed.

Appearance

Settings → Appearance covers light/dark mode, corner roundness, an accent color, and full palettes that restyle the whole app at once. Changing the palette restarts IOU to apply it.

Daily overdue reminders

Turn this on in Settings → Notifications to get a daily nudge at a time you choose, if anything is overdue.

Backing up your ledger

Settings → Data can share your whole ledger as a file, save it directly to your device, or restore from a previously exported file — useful before switching phones or uninstalling IOU. Restoring the same file twice never creates duplicates.

Deleting an entry or repayment

Open the entry and use the trash icons in its detail screen — each asks you to confirm first, since it can't be undone.