WaitingOn: IOU & Debt Tracker
WaitingOn is an IOU, debt and follow-up tracker for iPhone. It keeps track of everything where the next move is someone else's: money you lent, refunds that haven't arrived, items you loaned out and replies you're still waiting for. It counts the days, reminds you when to follow up and can write the reminder message for you.
WaitingOn in brief
Who it's for
Anyone who lends money or things to friends and family, waits on refunds or replies, or chases unpaid client invoices as a freelancer.
Works on
iPhone, iOS 17.0 or later
Price
Free to download. WaitingOn Pro is available monthly, yearly or as a one-time lifetime purchase.
Privacy
Reminder messages are never sent automatically: you review each one and send it yourself.
Limitations
WaitingOn tracks and reminds; it does not move, collect or hold money. Unlimited items, AI follow-ups and workspaces need WaitingOn Pro.
A look inside
Everything WaitingOn does
Track who owes you
Money lent to friends and family, IOUs, loans and debts in any currency, with partial payments and the amount still owed.
Borrowed items and refunds
Know who has your camera, book or charger, and track refunds, deliveries, approvals, replies and promises in one place.
Smart follow-up reminders
A first nudge after 3 days, then 2, 4 and 7, or the day after a promised date. A morning digest only on days something is due.
Let AI write the nudge
Pick a tone (Friendly, Polite, Professional or Firm) and send it by Messages, Mail or any chat app. Nothing is ever sent automatically.
Share a payback link
Send a link: the other person can tap Done, ask for more time or reply without installing the app, and your IOU updates.
Quick Add in plain language
Type something like "Ali owes me 5000 Friday" and WaitingOn fills in the details.
Made for real life
Home and Lock Screen widgets, share a chat or screenshot from any app, Siri, workspaces for clients and freelancers, CSV export, and money-recovered insights.
Languages
English, Urdu, Arabic, Hindi and Spanish.
Free to download
Free to download. WaitingOn Pro is available monthly, yearly or as a one-time lifetime purchase. Subscriptions are managed in your App Store account settings.
Get WaitingOnFrequently asked questions
How do I keep track of who owes me money?
Add each IOU in WaitingOn in about 5 seconds, with the person, amount and an optional promised date. WaitingOn shows how many days you've been waiting, records partial payments and shows how much is still owed, in any currency.
Can an app remind me to ask for my money back?
Yes. WaitingOn sends smart follow-up reminders (after 3 days, then 2, 4 and 7, or the day after a promised date) and a morning digest only on days something is due.
Can WaitingOn write the reminder message for me?
Yes. WaitingOn's AI writes a follow-up message in the tone you choose (Friendly, Polite, Professional or Firm). You review it and send it yourself through Messages, Mail or any chat app; nothing is sent automatically.
Does the other person need to install the app?
No. You can send a payback link: they can mark it done, ask for more time or reply from their browser, and your IOU updates instantly.
Can I track borrowed items and refunds too?
Yes. WaitingOn tracks borrowed items (who has your camera, book or charger and for how long), refunds, deliveries, approvals, replies and promises, not just money.
Is WaitingOn good for freelancers chasing invoices?
Yes. You can create workspaces for clients, track unpaid invoices and follow-ups, and export to CSV.
Which languages does WaitingOn support?
English, Urdu, Arabic, Hindi and Spanish.
How much does WaitingOn cost?
WaitingOn is free to download. WaitingOn Pro unlocks unlimited items, AI follow-ups, screenshot import, smart follow-up sequences, attachments, workspaces and money insights, and is available monthly, yearly or as a one-time lifetime purchase.
How to ask a friend to pay back money (politely)
Read our plain-language guide →
Questions about WaitingOn?
Email us and a real person will get back to you.
Email bismahfarooq58@gmail.com