PaidUp — Track what's owed. Get paid back.

A personal IOU tracker for friends and family

PaidUp is a simple iOS app for logging the small debts that pile up between people who know each other. Split dinner, cover a concert ticket, spot a friend at the airport — record it, settle it, forget it.

It's designed for personal use between people who already have a relationship. It is not a debt collection tool and is not intended for commercial use.

How it works

They owe you — shown in green. Log the amount, set a tone, and (with Pro) PaidUp sends gentle automated reminders on a schedule you control.

You owe them — shown in red. Track what you owe so you can square up and keep things simple.

Pro — automated reminders

Upgrade to unlock the reminder engine: scheduled SMS and email nudges with a one-tap payment link (Venmo, Cash App, PayPal, Zelle, Apple Pay Cash) embedded in every message. Quiet hours, STOP keyword opt-out, and double-opt-in confirmation are built in.

Only people who reply YES to the initial confirmation SMS receive any further messages. Users are required to confirm they have a personal relationship with every contact they add.