What it does:
IOU (I owe you) is a debt manager app for things and money. Keep record of personal debts, bills and loans.
With IOU you will not forget about that book you gave someone or who owes you for a lunch. It’s even possible to keep track of loans and periodic bills – all in this single app. Access your data with a browser or on the go with mobile apps for Android, iPhone and Windows 8. It’s also possible to share debts with your friends.
How it beats the competition:
The only debt manager for web with mobile apps for Android, iPhone and Windows 8 with ability to share debts.