IOU - debt manager

IOU (I Owe You) - personal debts and loans manager for things and money

S. Tubin · tubin.debts

5.0 out of 5 (1 rating) 100K+ downloads v4.56ac 3.3 MB Android 4.0.3+ PEGI 3 · Everyone

Download APK 3.3 MB All versions

Signature matches the Google Play version Details

Watch the IOU - debt manager trailer on YouTube

At a glance

Latest version: v4.56ac (233)
Updated: Oct 8, 2025 (1 year ago)
APK size: 3.3 MB
Requires: Android 4.0.3+ (API 15)
CPU support: Any (no native code)
Category: Finance (app)
Listed since: Aug 16, 2019 (at least)
Permissions: 9 (2 sensitive)
Website: ioutool.net
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

IOU - debt manager is an app by S. Tubin in the Finance category, listed since at least August 2019. It has no native code, so it runs on any Android processor.

It asks for 9 permissions, 2 of them sensitive: read contacts and modify shared storage.

What's new in v4.56ac

Fixes

Description

From the listing uploaded by “catappult”.

(I owe you) is a debt manager app for things and money. Save your money by keeping record of all personal debts, credits, bills and loans in this single app. IOU is simple enough to be used on the go by coworkers or roommates with shared expenses, and powerful enough to be a good assistant for freelancers and small businesses.* ★2nd place in finance category of Best App Ever Awards 2013 (http://www.bestappever.com)★ ★The only debt manager app that syncs to web (http://ioutool.net), Android, iOS and Windows apps★ : • Borrow/lend things and money • Payback with partial payments • Credit payoff date • Settled debts and payments history • Cloud sync, share debts • Custom currencies • Automatic email reminders • Totals for debtors • 3 views: who owes you, who you owe, debtors (available with in-app purchase): • Notifications for overdue debts and payments • Backup/restore data • Recurring debts, periodic payments • Password or fingerprint (Android 6.0+) protection • Attach a photo to debt • Manual Email and SMS reminders, customizable templates • Readable CSV export For any questions, issues and suggestions please write to [email protected].

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Feb 18, 2020.
Certificate issued to “S. Tubin” This is the certificate of the Google Play version.

Store checks and file details

Developer signature not verified Nov 12, 2021
Validated against Google Play Feb 18, 2020
Antivirus scan passed Sep 13, 2020
Signed byCN=, OU=, O=S. Tubin, C=
Signing certificate (SHA-1)75:FB:07:FA:B7:D2:2D:14:4D:0A:C3:07:A8:B8:31:DA:C6:76:3A:EB
File MD598d5f376f99a649e9b6b083b1bca3dfc
Uploaded by “catappult” Platinum tier · 1,377 followers · uploading since 2018

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures. AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (9)

IOU - debt manager requests 9 permissions, 2 of them sensitive.

Modify shared storage Sensitive android.permission.WRITE_EXTERNAL_STORAGE
Read contacts Sensitive android.permission.READ_CONTACTS
Advertising (custom) com.asfoundation.ADVERTISING
Billing (custom) com.appcoins.BILLING
Full network access android.permission.INTERNET
Prevent the device from sleeping android.permission.WAKE_LOCK
Run at startup android.permission.RECEIVE_BOOT_COMPLETED
Use fingerprint hardware android.permission.USE_FINGERPRINT
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Basic touch input android.hardware.faketouch

IOU - debt manager APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the IOU - debt manager APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. After downloading, check that the file's MD5 is 98d5f376f99a649e9b6b083b1bca3dfc.