Money between friends, without the awkwardness.
Track IOUs, split bills, and formalize loans with the people you trust — all in one place.
📱 No App Store required — installs directly on your home screen
Friends & Family
3 contacts
Net Balance
+$56.50
You are owed more than you owe
Sarah
owes you
Mike
owes you
Jess
you owe
Sound familiar?
You're not bad at money. You just need a better system.
“You lent your friend $200 three months ago. Still waiting.”
“Splitting the Airbnb 6 ways over text is a nightmare.”
“Family loans need to be official, not just a handshake.”
How It Works
Up and running in minutes. No learning curve.
Step 1
Add your contacts
Friends, family, roommates. Anyone you share money with.
Step 2
Track everything
Log payments, split bills, scan receipts. Everyone stays on the same page.
Step 3
Settle up
Send payment via Venmo, PayPal, or Cash App. Confirm it's received. Done.
Everything you need
Built for real relationships. Designed for real money.
Friend Tracking
Log IOUs, confirm payments, keep a running balance with anyone.
Smart Bill Splitting
Even, manual, or by item. Scan a receipt and let AI do the math.
Group Expenses
Trips, dinners, shared apartments. Everyone approves their share.
Formal Loans
Promissory notes, amortization schedules, legal-grade contracts.
Privacy First
Your balances are yours. We never share your financial data.
Pay Your Way
Deep links to Venmo, PayPal, and Cash App. We never touch your money.
Install it on your phone in seconds
LendPromise works like a native app — full screen, home screen icon, fast. No App Store, no waiting, no storage used.
iPhone (Safari)
Tap Share → scroll down → tap Add to Home Screen
Android (Chrome)
Tap the install banner at the bottom, or tap ⋮ → Add to Home Screen
How we compare
Most apps track who paid for dinner. LendPromise handles everything — from casual IOUs to formal loan contracts.
| Feature | BestLendPromise | Splitwise | IOU Apps | Spreadsheet |
|---|---|---|---|---|
| Track IOUs & balances | ✓ | ✓ | ✓ | ✗ |
| Group expense splitting | ✓ | ✓ | ✗ | ✗ |
| Payment confirmation | ✓ | ✗ | ✗ | ✗ |
| Per-person expense approval | ✓ | ✗ | ✗ | ✗ |
| Formal promissory note | ✓ | ✗ | ✗ | ✗ |
| E-signatures | ✓ | ✗ | ✗ | ✗ |
| Amortization schedule | ✓ | ✗ | ✗ | ✓ |
| Privacy-first balances | ✓ | ✗ | ✗ | ✓ |
| AI receipt scanning | ✓ | ✗ | ✗ | ✗ |
| No app store needed | ✓ | ✗ | ✗ | ✓ |
| Free to use | ✓ | ✓ | ✓ | ✓ |
* Splitwise is great for splitting. When money gets serious, you need LendPromise.
Simple, honest pricing
Start free. Upgrade when you're ready.
Free
Perfect for everyday IOUs
- ✓Unlimited contacts & groups
- ✓Manual bill splitting
- ✓Payment tracking & confirmation
- ✓Formal loans (2 active)
- ✓Promissory notes ($5 add-on)
Pro
or $59/year — save 30%
- ✓Everything in Free
- ✓📷 AI receipt scanning
- ✓By-item splits with tax & tip
- ✓Unlimited formal loans
- ✓Monthly summary emails
- ✓CSV export
- ✓Priority support
🎁 3 free AI scans included on Free to try
Start 14-Day Free TrialLearn & Save
Tips on splitting bills, personal loans, and keeping money from ruining friendships.
How to Split Bills with Friends Without the Awkwardness
What the IRS Says About Personal Loans Between Family
Venmo vs PayPal vs Cash App: Which is Best for Paying Back Friends?
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