Add a debt in seconds
Use a name, amount, and optional note the moment someone owes you money.
Personal IOU tracker for friends and family
The best way to keep track of who owes who money
Dibs is a local-first iPhone app for personal IOUs and debts. Log what someone owes in seconds, see exactly what it was for, and get reminders so nothing gets forgotten.
The real problem
Who owes who money should not live in memory.
- You split dinner, cover tickets, or lend money and forget who still owes what.
- You end up asking, "Did I pay you back?" or "How much do I owe you?"
- Texts, notes, and spreadsheets turn simple IOUs into mental math.
Why Dibs?
Dibs turns every personal IOU into a clear record.
It is not a budgeting app or a spreadsheet replacement. It is the simple place for money owed to you, money you owe, and the small details that make settling up easier later.
See exactly what it was for
Open any IOU to check the person, note, date, amount, and settlement status.
Track running totals by person
Know who owes who at a glance, including what you owe and what is owed to you.
Let reminders handle the follow-up
Set nudges for repayments so debts do not disappear into memory or old texts.
From note to reminder
Track what someone owes you without texts, notes, or mental math.
Add the debt when it happens, keep the reason attached, and let Dibs remind you before it slips.
Private by default
A better IOU tracker for personal debts between people you know.
Dibs is local-first: no accounts, no cloud sync, and no social finance setup before you can track a debt.
Open the app, add who owes what, and come back when it is time to settle up.
Common questions
For anyone searching how to track personal debts
What is the best way to keep track of who owes who money?
Use a dedicated IOU tracker that keeps each debt tied to a person, amount, note, status, and reminder. Dibs is built for that exact personal debt workflow on iPhone.
Do I need an account to track personal debts in Dibs?
No. Dibs is local-first and works without account creation, cloud sync, or extra setup.
Is Dibs only for splitting restaurant bills?
No. Dibs works for dinner, tickets, borrowed cash, rides, shared expenses, or any personal IOU you want to settle later.
If you are searching for the best way to keep track of who owes who money, Dibs is the simple answer.
Keep every IOU in one place, see exactly what it was for, and stop relying on texts, notes, or memory.
Download Dibs on iPhone