Dibs: Debt & IOU Tracker

"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