IOU
IOU: A receipt-focused iOS splitter for precise group expenses and quick settlement. Ranked #18 of 33 in Bill Splitting Apps by our editors (7.0/10); pricing: Free plan; best for iPhone users splitting receipt line items.
At a glance
- Editor score7.0 / 10
- PricingFree plan
- Best foriPhone users splitting receipt line items
- Free planYes
- Multiple currenciesYes
- Facts checked20 Oct 2026
Where it wins
- Automatic receipt itemization from scans or photos
- Equal, exact, percentage, and adjusted split options
- Foreign currencies, exports, insights, and Venmo/Cash App settlement
Where it doesn't
- Available only on iOS devices
- Settlement integrations are limited to Venmo and Cash App
- Support is provided through email
Our verdict on IOU
IOU is a mobile bill-splitting app for friends, roommates, trips, dinners, and other shared purchases. It runs on iPhone, iPad, and Apple Vision devices, with receipt scanning and photo upload for shared bills. After extracting line items, IOU lets people assign specific items or divide totals equally, by percentage, exact amount, or adjustment. Groups retain balances, receipts, and shared expense history, making it suited to recurring household groups as well as one-time outings.
The freemium model includes a free plan, while IOU Pro is offered through in-app purchases. The feature set covers tax, tip, and additional charges, plus foreign-currency support for expenses across currencies. CSV and PDF export help move records into other workflows, and spending trends highlight largest expenses. These tools make IOU more detailed than a basic equal-split calculator, particularly when one receipt contains items for several people.
Its main focus is receipt-level allocation rather than broad payment infrastructure. Settlement connects with Venmo and Cash App, while groups keep their own balances and history inside the app. Support is available by email. Choose IOU if your group uses Apple devices and needs precise item assignment, flexible split methods, and expense visibility. Consider another option if participants need Android or web access, require settlement services beyond Venmo and Cash App, or prefer support channels other than email.
Your product? Our editors can test IOU in depth and publish a review, labelled as paid · from $149/mo →
IOU pricing
IOU fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Max group members | Not verified |
| Multiple currencies | Yes |
| Recurring expenses | Not verified |
| Expense entry methods | Manual + receipt |
| Settlement methods | Venmo, Cash App |
| Supported platforms | iOS |
| Deployment | Mobile |
| Platforms | iOS |
| Support | |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 2 integrations: Venmo, Cash App |
| Pricing | Free plan |
| Website | splittab.app |
| Facts checked | 20 Oct 2026 |
IOU integrations
IOU lists 2 integrations on its own site.
- Venmo
- Cash App
Alternatives to IOU
- SplitwiseA flexible way for friends, families, roommates, and travel groups to settle shared costs.8.8
- Settle UpFeature-rich expense splitting with debt minimization, offline sync and broad platform support.7.9
- SplitMyExpensesCross-platform bill splitting with AI receipt itemization, imports, recurring expenses, and settlement links.7.9
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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