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

Six stops down one line: why they owe, every change on the record, any currency, right through to splitting the bill and squaring everyone away.

01
The why
Every IOU keeps its why
Tap a friend and the whole story is there — theatre tickets, the cabin deposit, groceries for the trip. £445.68 isn’t a mystery; it’s a memory with a date on it.
02
On the record
Every change, written down
Open any IOU for the amount, the date, the conversion — and a dated history of every edit. The record stays clear, so nobody has to take anyone’s word for it.
03
Any currency
Type dollars, settle in pounds
Type $120 and PayMeLater quietly makes it £90.93 at that day’s rate — rate and date saved with the IOU. Friends abroad, weekends away: the maths is never yours to do.
04
Shared bills
One bill, the whole group
The weekly shop, the team dinner, the £480 lake-house weekend — each bill lives in one place, with everyone who was there attached to it. Start from the total, or build it item by item.
05
The split
Drag who had what
Split item by item — drag each friend onto what they actually had. The cabin shared by four, the groceries to whoever ate them. Fair, without the spreadsheet.
06
Settle up
Everyone squared away
One tap turns the bill into IOUs — £120 each from Alex, Maria and Sam, £360 back to you. Paid back whenever suits; no chasing required.