Both-party e-signatures
Each person signs on their own device. Terms lock once both have signed.
LENDER● Emma Johnson
BORROWER● Michael Brown
One app for every IOU
From a $20 lunch to a $5,000 car loan, IOUEZ keeps it clear, signed and on time.
The essentials
Real-time sync
Android and web stay in step, even after you were offline.
Smart reminders
Due tomorrow, due today and overdue, by push and email, in each person’s time zone.
Installment plans
Weekly, every-two-weeks or monthly schedules with partial payments, on the web and Android.
Interest
Add an optional interest rate, worked out once on the amount.
Groups & split bills
Equal, shares, exact or percent splits, then settle up in the fewest payments.
NewGroups
Trips and roommates, settled in minutes
Add expenses as they happen and IOUEZ works out who owes whom, then suggests the fewest payments to settle everything. Friends with an account see the group live; everyone else can be added as a guest.
- Split equally, by shares, exact amounts or percent
- Live balances and settle-up suggestions
- On the web and in the Android app
GroupsLake Tahoe trip
+$2,840spent · 5 people · 14 expenses
EJMBODJWSM
MBMichael Brownpays you+$210.00
JWJames Wilsonpays Olivia+$135.00
SMSophia Martinezpays you+$95.00
Signatures
Signed on two phones, locked for both
Draw a signature with your finger. The other person signs in the app or in a browser. Once both have signed, amount, dates and terms cannot change without both agreeing.
- Timestamps on every signature
- Notes and description stay editable; the signed terms do not
- Optional witness details in the Android app
‹Sign the IOU↺
Michael Brown owes Emma Johnson $900.00 for “Laptop repair”, paid in 6 monthly instalments.
Emma Johnson
✓ I agree to these terms
Sign agreement
Small things that make a big difference
Signed PDFs
With both signatures, from the Android app or your browser.
Receipts & photos
Coming soon: attach proof to agreements and payments.
Insights
Who owes you, whom you owe and a breakdown by category, in the Android app.
Many currencies
Totals per currency, never mixed up.
App lock
Coming soon: PIN or fingerprint lock on Android.
Export
CSV or an Excel workbook from the web, CSV and PDF from the Android app, and a printable PDF of any agreement.
Business ledger
Coming soon: customer credit, statements and bulk reminders.
Family space
Coming soon: household IOUs and allowances.
Your next IOU, done right.
Create a clear, signed agreement in under a minute. Free on Android and the web.