Someone had an extra marg. They know who they are.

Everyone claims what they had. IOU does the math on dinner and drinks with friends, tax and tip included.

Get IOU See how it works

For iPhone. Friends join from a text you send.

You paid. They remember what they ordered.

The person with the card shouldn't have to recall who had the calamari. Put the receipt in, and let everyone claim their own.

  1. Snap the receipt

    Take a photo and IOU reads every line, plus tax and tip, even a tip written in by hand. Or type it in yourself.

  2. Everyone claims their own

    Text the link to the group. Friends tap what they had, that night or the next morning. Anything nobody has claimed stays flagged until someone does.

  3. See who owes who

    Tax and tip are split by what each person had, down to the cent, and IOU shows the fewest payments that square everyone up.

A whole weekend. One tab.

Put every receipt from a trip or a big night in one event. IOU keeps a running total for each friend, so you settle up once at the end.

Friday

Casa Verde

$95.37 · you paid
MargaritaAbby
MargaritaFallon
Tacos al pastorGrace
Saturday

The Rookery

$64.40 · Grace paid
Round of IPAsEveryone
Old fashionedYou
FriesNeeds claiming
Sunday

Little Egg

$92.15 · you paid
PancakesMaggie
MimosasEveryone
Breakfast burritoAbby

Friends join from a text.

Send the invite from your own Messages. Friends sign in with their phone number, tap their name, and anything you already put on them is waiting. No passwords, no usernames.

Get IOU before the next group dinner.

Split the receipt at the table, or the morning after. Either way, nobody does the math.

IOU is in testing now and comes to the iPhone App Store in late November. Want in early? Email support@useiou.com.