Debt Tracker & IOU: Meow Debt

The cute IOU tracker: see who owes you at a glance, split the bill with friends, and let three tiny mascots say the awkward part.

Lending a friend $38 for a concert ticket is easy. Asking for it back is the hard part. Meow Debt turns every IOU into a little coinling that goes out to play at your friend's place. The longer it's away, the more homesick (and mossy) it gets. When it's time, Bestie, Hihi and Chill write a friendly nudge card for you to send.

ADD AN IOU IN SECONDS
• Type one sentence like "Jordan owes me $38 concert ticket" and Meow Debt picks out who, how much and what for
• Split a bill with the group: equally, by item or by share, including who paid on the spot
• Add due dates, notes and photos. Every IOU keeps its own currency and is never converted

NUDGES THAT DON'T FEEL AWKWARD
• Nudge cards in three voices: Sweet, Tease and Blunt
• Put your payment link (like PayPal, Venmo or Cash App) or QR code on the card so friends can pay right away
• Share the card through any messaging app. Meow Debt never sends anything by itself
• When a coin comes home, cross it off and send a thank-you card

SEE EVERYTHING AT A GLANCE
• Two totals: what friends owe you and what you owe them
• Coins age from just left to homesick to mossy, and overdue ones get a red pen circle
• Log partial payments, move a due date, settle up two IOUs against each other, or just let one go
• A friends list that shows who's all square, plus a private payback pace only you can see
• Home Screen and Lock Screen widgets

GENTLE REMINDERS, ON YOUR TERMS
• At most once a day, three times a week, and never after 9 PM
• A reminders inbox shows what's coming up, and you can skip any of them

PRIVATE BY DESIGN
• No account, no ads, no tracking. Your book stays on your device and syncs through your own iCloud
• Lock it with Face ID, hide the amounts, or shake your phone to hide them
• Export a backup anytime
• Serious mode hides the mascots when you just want the numbers

MAKE IT YOURS
• Rename the trio, pick an app icon, go light or dark
• Works on iPhone and iPad, in 19 languages
• 24 animated stickers of the trio for iMessage

A SHOP AND WARDROBE FOR THE TRIO
• Earn fish snacks each time you log a debt and when a coinling comes home, then trade them for hats, glasses, scarves, tops and shoes for Bestie, Hihi and Chill
• Try items on right on the trio. Taps and swipes still get a reaction
• Seasonal items for Lunar New Year, Mid-Autumn, Halloween, Christmas and Valentine's Day
• Need more snacks? Fish snack packs are available as in-app purchases. Outfits stay in the app and never appear on your reminder cards

MEOW DEBT PRO
• Unlimited coinlings (the free book holds 12 open ones)
• The Tease and Blunt voices
• Cards without the watermark
• Pro outfits for the whole trio
• An Excel report (.xlsx): an overview with charts, plus ledgers of what you're owed and what you owe
Choose yearly, monthly or lifetime. Subscriptions renew automatically unless canceled in your Apple Account settings at least 24 hours before the current period ends.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://meono.app/privacy

Add your first IOU and let the trio handle the awkward part.