Clear in a minute. Settled without the awkwardness.
Three steps
- 1
Create the IOU
Amount, currency, due date and optional interest, plus installments in the Android app.
- 2
Both sign
The other person signs from a notification, on their phone or in a browser.
- 3
Track and settle
Record payments and send reminders until it is paid in full.
Your balance, always up to date
See who owes you, whom you owe and what is due next, in every currency you use.
- Quick actions for lending and borrowing
- Due-soon list with one-tap reminders
Good to know
Is a signed IOU legally binding?
A signed IOUEZ agreement is a clear written record with both signatures and timestamps. In many places that helps a lot if there is ever a disagreement, but IOUEZ is not a law firm. For large amounts, check the rules where you live.
Does the other person need the app?
They need a free IOUEZ account to sign, but not necessarily the app: they can sign in any browser with the web app. Until they join, you can still keep the IOU as your own record.
Is it really free?
Yes. Personal IOUs, signatures and reminders are free forever. Pro adds installment plans and an ad-free app for $4.99 a month.
Who can see my agreements?
Only you and the person you share an agreement with. Data is encrypted in transit and you can delete your account at any time.
Does it work offline?
Yes, in the Android app. Changes are saved on your phone and sync automatically when you are back online.
Which currencies are supported?
US dollars by default, plus euros, pounds and many more. Each agreement keeps its own currency and totals are shown per currency.
Your next IOU, done right.
Create a clear, signed agreement in under a minute. Free on Android and the web.