Agreements both people sign
Create an IOU in seconds. Each person signs on their own phone or browser and the terms lock. Download a PDF any time.
LENDER● Emma Johnson
BORROWER● Michael Brown
NewReminders now follow your time zoneLend money.
Lend money.
Keep friends.
IOUEZ turns every loan and promise into a clear agreement both people sign, with reminders that do the awkward part for you.
Free forever for personal IOUs. No card needed.
Good eveningEmma
EJNet balance+$1,250
Owed to you$1,640You owe$390.00
↓I lent↑Borrowed÷Split✓Paid
MBMichael BrownSigned ✓+$400.00
ODOlivia DavisDue Friday−$150.00
JWJames WilsonGroup · 5 people+$210.00
Michael signedTerms locked for both
Payment received+$350.00
Friendly reminder sentDue in 2 days
$0to start, free forever
2signatures on every IOU
20+currencies supported
1account on Android and web
Everything money between people needs
Not just a note in your phone. Real loans with signatures, reminders and proof.
Live on every device
Change it on Android, see it on the web a second later.
Reminders that stay polite
Due-date nudges for both sides, so nobody has to ask twice.
Groups & split bills
Trips, roommates and events. Split equally, by shares, percent or exact amounts, and settle up in the fewest payments.
Installments & interest
Weekly, every-two-weeks or monthly installment plans on the web and Android, plus an optional interest rate.
Any currency
US dollars by default, plus euros, pounds and more, with totals per currency.
Proof, not promises
A record you can both trust
Every payment is recorded on the agreement and the balance updates for both of you. When it is paid off, it is marked settled for both of you.
- Progress and remaining balance at a glance
- On Android, payments count toward the next installment automatically
- A PDF copy with both signatures
‹Agreement⋯
40%
Olivia owes you$1,260Rent share · 6 payments
✓ Aug 9$350.00
✓ Sep 9$350.00
Next · Oct 9$210.00
+ PaymentRemind
From “I’ll pay you back” to signed in 3 steps
- 1
Add the details
Who, how much, which currency and when it is due. Add interest, or an installment plan in the Android app, if you like.
- 2
Both of you sign
They get a notification and sign on their own phone or in a browser with a free account.
- 3
Relax, it’s tracked
Payments, reminders and the balance update live for both of you until it is settled.
Built for real loans, not just dinner bills
| Feature | IOUEZ | Bill-splitting apps | Notes & chats |
|---|---|---|---|
| Both people sign a digital agreement | — | — | |
| Installment plans and interest | — | — | |
| A payment record both sides see | — | ||
| Automatic reminders to both sides | Some | — | |
| PDF with both signatures | — | — | |
| Same account on Android and web | — |
For organizations
Lend to many people? Start on IOUEZ today.
Small lenders, co-ops, unions and employers can already give every borrower a signed agreement, track each payment and let IOUEZ send the due-date reminders. Loan products, approvals and reports are coming soon.
- Free to start, no setup fees
- E-signed agreements and payment tracking today
- Coming soon: applications, approvals and portfolio reports
‹Agreement⋯
40%
Olivia owes you$1,260Rent share · 6 payments
✓ Aug 9$350.00
✓ Sep 9$350.00
Next · Oct 9$210.00
+ PaymentRemind
Free for everyday IOUs
Upgrade for installment plans and an ad-free app.
Free
For everyday IOUs$0.00/month
Free forever
Start free- Unlimited personal IOUs
- Both-party e-signatures
- Reminders and live sync
- Android and web
- Light ads
Pro
For people who lend often$4.99/month
Billed monthly
Start free trial- Everything in Free, no ads
- Installment plans on the web and Android
- Groups and split bills
- Branded PDF with QR verification (coming soon)
- Receipts and attachments (coming soon)
- Excel export of agreements, payments and groups
Family
Pro today; sharing with your household is coming soon$7.99/month
Billed monthly
Start free trial- Everything in Pro for you today
- Pro for 5 family members (coming soon)
- Shared household space (coming soon)
- Allowance and chore IOUs (coming soon)
Business
Shops, landlords and small lenders$14.99/month
Billed monthly
Start free trial- Everything in Pro
- Customer credit ledger (coming soon)
- 3 team seats (coming soon)
- Bulk reminders by email and SMS (coming soon)
- Monthly customer statements (coming soon)
- Priority support
Questions, answered
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.
Learn to lend without the stress
Small lenders, organizations & business credit
Landlords: tracking rent, deposits and partial payments
10 min read
Repayment, reminders & debt payoff
Snowball vs avalanche: paying off what you owe
10 min read
IOUs & agreements: plain-English basics
What makes an IOU stronger if there is ever a dispute
10 min readYour next IOU, done right.
Create a clear, signed agreement in under a minute. Free on Android and the web.