WaitingOn: IOU & Debt Tracker
Not claimedWho owes you money?
By Bismah Farooq · FinanceWhy we expect it: A clear, useful problem with a focused promise, thorough feature details, and a broad audience of people chasing IOUs and refunds.
In short
WaitingOn: IOU & Debt Tracker is a finance app for logging money lent to friends and family, borrowed items, refunds, and promised replies. It counts how long each item has been waiting, sends follow-up reminders, and can draft nudges in a chosen tone that the user sends through their own messaging apps. It stands out for its reminder schedule, which only sends a morning digest on days when something is due.
Summary by Debuts, based on the App Store listing.About
Who owes you money? Which refund is still missing? Who promised to reply and never did?
WaitingOn is the IOU, debt and follow-up tracker for everything where the next move is someone else's. Add it in 5 seconds, and WaitingOn counts the days, reminds you when it's time to follow up, and even writes the nudge for you.
TRACK WHO OWES YOU • Money you lent to friends and family — IOUs, loans and debts in any currency • Log partial payments and see exactly how much is still owed • Borrowed items: camera, book, charger — know who has it and for how long • Refunds, deliveries, approvals, replies and promises — all in one place
NEVER FORGET TO FOLLOW UP • Smart reminders: first nudge after 3 days, then 2, 4 and 7 — or the day after a promised date • Morning digest only on days something is due. No spam, ever. • "Waiting 12 days" — the waiting time is front and centre on every card • Snooze, mark "they responded", log a new promise, or resolve in one tap
LET AI WRITE THE NUDGE • Pick a tone: Friendly, Polite, Professional or Firm • Send by Messages, Mail or any chat app — nothing is ever sent automatically • Quick Add understands plain language: "Ali owes me 5000 Friday"
SHARE A PAYBACK LINK • Send a link — they tap "Done", ask for more time, or reply. No app needed. • Their answer updates your IOU instantly
MADE FOR REAL LIFE • Home & Lock Screen widgets • Share a chat or screenshot from any app to add it • Siri: "Track something in WaitingOn" • Workspaces for clients and freelancers, with CSV export • Money recovered insights and a monthly recap • Works offline. Syncs securely. Sign in with Apple. • English, Urdu, Arabic, Hindi and Spanish
WAITINGON PRO Unlimited loops, AI follow-ups, screenshot import, smart follow-up sequences, attachments, workspaces and money insights. Choose monthly, yearly, or pay once for lifetime access.
Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.
Privacy Policy: https://bismah-farooq.vercel.app/privacy-policy.html Terms of Use (EULA): https://bismah-farooq.vercel.app/eula.html
Stop remembering. Start following up.
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