Dibs: Debt & IOU Tracker

New in 1.6: charts that show how much you've settled each month and how your balance has trended over time.

"Wait… how much did you owe me again?"

If you keep lending money to friends and forgetting about it — or you're the one who forgets to pay back — Dibs keeps the score so you don't have to.

Add a debt in seconds, see your balance with every person at a glance, and settle up with zero awkwardness.

WHY DIBS • See it all at a glance — how much you owe, how much you're owed, and the balance with each person. • Split group expenses — dinner, trips, gifts. Split evenly or set custom amounts, and Dibs works out who owes what. • Never let a debt slip — set reminders so nothing goes unnoticed, and send a friendly pre-written message when it's time to settle up. • Watch your money come back — charts show what you've settled each month and how your balance trends over time. • Celebrate settling up — a little confetti every time a debt is cleared. Small joys.

PRIVATE BY DESIGN

No account. No sign-up. No cloud. Everything stays on your phone — your debts are between you and your friends, not a server.

MADE FOR EVERYDAY USE • 15+ currencies • English, Spanish and French • Light and dark themes • Fast search across people and debts