The friendly IOU app

Remember who paid and stop arguing

You don't need to settle-up your debts with friends straight away. No awkwardness, no chasing. Just tell your friends to PayMeLater!

Loved on the App Store Free · no ads · multi-currency

From mess to sorted

From the first IOU to all square

Follow the line down — the whole app, in order: why they owe, every detail, in any currency, right through to splitting the bill.

01
Remember why
Every IOU keeps its reason
Theatre tickets, the cabin deposit, last week’s groceries — tap any friend for the full, dated history. Never wonder “what was that for?” again.
02
In every detail
Down to the last detail
Open any transaction for the amount, the date, the live conversion and a full change history — so the record stays clear, and stays fair.
03
In any currency
Log in any currency, settle in yours
Paid in dollars, owed in pounds? Type the amount and PayMeLater converts it at the live rate — £90.93 from $120 — so the maths is never your problem.
04
Split shared bills
Split shared bills with the group
The weekly shop, the lake house, the team dinner — bundle a bill, add everyone in, and keep each person’s share straight without sums on a napkin.
05
Drag & drop
Drag who had what onto the bill
The starter was shared, the steak wasn’t. Drag each friend onto the items they’re actually on the hook for — everyone pays for exactly what they had.
06
Find your friends
Add anyone in seconds
Start a new IOU and pick a friend straight from your list — or add someone new. No setup, no faff. Getting started is the easy part.