Add a debt in seconds
The amount comes first, with a calculator keypad: type 12+8×2 and Dibs does the math. Add the person and a note, done.
Personal IOU tracker for friends and family
The best way to keep track of who owes who money
Dibs is a local-first iPhone and Android 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.
Split a group bill
Dinner, trips, gifts. Split evenly or set custom amounts, pick who paid, and Dibs writes one debt per person.
Know who owes who at a glance
Your balance with each person comes first, with every open debt and what it was for right below.
Let reminders handle the follow-up
Dibs nudges you when it is time to ask and writes the message for you, in the language your friend reads.
Recurring debts, other currencies, and backups
With Premium, rent or a shared subscription is added every period, and debts in 18 currencies keep the exchange rate from the day you added them. A backup file restores everything on a new phone.
Free, with an optional one-time upgrade
Free covers up to 5 people with active debts. Premium is a single purchase, never a subscription.
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 and Android.
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. There are no ads and no analytics.
Is Dibs only for splitting restaurant bills?
No. Dibs works for dinner, tickets, borrowed cash, rides, rent, shared expenses, or any personal IOU you want to settle later. It can split a group bill too.
Is Dibs free?
Yes. Dibs is free for active debts with up to 5 people, including group split, reminders, and Overview insights. Dibs Premium is an optional one-time purchase, with no subscription, that adds unlimited people, recurring debts, multiple currencies, widgets, and more.
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 on the App Store Get it on Google Play