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Bestie
Sweet Logs your coinlings and calls them home
Your friend's little coin has been on a 41-day sleepover. It misses home — mind sending it back?
IOU book & bill splitter for iPhone and iPad
A super cute IOU book
Meow Debt is an IOU book for iPhone and iPad: type one sentence like "Jordan owes me $38 concert ticket", split a bill with the group, and let Bestie, Hihi and Chill write the awkward nudge for you to send. Free to use, with an optional Pro upgrade. No account, no ads.
Coming soon to the App StoreiPhone & iPad · iOS 18 or later
Meet Bestie, Hihi and Chill
Free to use · No account · No ads
How it works, in 6 steps
- Log it in one sentence Type it like a text: who, how much, what for. Meow Debt sorts it into fields for you, and you tap any field that is off to fix it.
- A coinling goes out to play Every IOU becomes a little coin with a face. The longer it is away, the more homesick it gets, then mossy. A red pen circle means it is past the due date.
- Call it home, without the awkward part One tap and the trio writes a cute card with the amount and your get-paid QR. Pick a voice, tweak the words if you like, then send it yourself.
- Split the bill with the group Equally, by item or by share. Mark who already paid at the table; everyone else becomes a coinling.
- Paid back? Cross it off The red pen crosses it out, the coinling runs home and Chill drops it in the jar. Send a thank-you card if you like.
- Dress up the trio Logging and settling earn fish snacks. Trade them for hats, glasses, scarves, tops and shoes. Outfits stay in the app and never appear on your cards.
An animated preview of the app. The real screenshots are further down.
Coinlings
Every debt is a little coinling
Each one has a face, an age, and always wants to come home.
They owe meYou lent it — your yellow coinling is out playing at a friend's. They owe you.
I oweYou borrowed it — their pink coinling came to stay, suitcase and all. You owe them.
Coin age
One look tells you how long it's been out
14 days · homesick
0–7 days8–30 daysday 31 on
Past the due date, it gets a red pen circle — a heads-up, not a scolding. Coinlings are never sad or cross. Mossy just means they dozed off.
The trio
Three friends who keep the book for you
Tap them, feed them a fish snack, watch them glance at your cursor. In the app they cheer when a coin comes home.
Hihi
Tease Splits the bill and teases, nicely
That coin's been at your place so long it's asking for a key. Time to send it home?
Chill
Blunt Brings coins home and guards the jar
41 days. $38. Scan the code.
Call it home
Awkward to ask? We'll say it for you
Tap Call it home: the trio writes a cute card with the amount and your get-paid QR. Preview it, tweak the words if you like, then send it yourself.
Voice
- Three voices: Sweet is free · Tease and Blunt come with Pro.
- Your get-paid QR or payment link goes on the card, with the amount filled in.
- Meow Debt never sends anything on its own — you always press send.
Hi Jordan,
Your friend's little coin has been on a 41-day sleepover. It misses home — mind sending it back?
$38.00
Concert ticket · covered 8/11
Scan to pay Sam
sent from Meow Debt
Bestie only writes it. You're always the one who hits send.
Playground
The trio, at play
Chill tosses a coin, Hihi drums his belly, Bestie gives chase. Tap one to join in, drag the fish over for a snack, or put them in new outfits.
Features
Small book, big help
Everything you need to keep money between friends friendly. Nothing you don't: no budgets, no bank links, no streaks.
Add a debt in one sentence
Tap + in the middle of the bottom bar and type it like a text: who, how much, what for. Meow Debt sorts it into fields — tap any field that's off to fix it.
Three ways to split, all fair
Tap who ate each dish — skipped the beef, skip paying for it. Bigger appetite? Give them ×2 or ×3 shares.
Awkward to ask? We'll say it for you
Meow Debt never sends anything on its own — you always press send.
Each payment carves out a slice
A friend paid some back? Open the coinling, tap Log a payment and pick 25%, 50% or type an amount. The pale, dashed slice is the part that's come home.
Who owes whom, at a glance
The Friends tab groups coinlings by person: a yellow dot means they owe you, pink means you owe them.
Paid in full? Cross it off, into the jar
Want to let it go? Gift the coinling — the book records a present, not a debt.
Widgets
A glance at your Home Screen shows who's homesick.
Serious mode
Turn off the mascots and effects when you need to.
Shop · Wardrobe
Trade snacks for outfits
Open the Shop from the Jar tab: five groups — Hats · Glasses · Scarves & bows · Tops · Shoes. Buy an item once and all three can wear it; holidays bring seasonal goodies.
Each group has 5 Pro items — free to wear with Pro. Outfits stay in the app: they never appear on the cards you send.
Real screens
This is the real app
Straight from the iPhone simulator, with the demo book the App Store screenshots use.
Privacy & handy bits
Your book stays yours
No account, no servers, no ads, no tracking. The app collects no data at all: your book lives on your device and in your own iCloud.
- No accountYour book stays on your device and your iCloud.
- Lock with Face IDOnly you can open the book.
- Shake to hide amountsShow your screen without showing the numbers.
- Gentle remindersAt most once a day, never after 9 PM
Meow Debt Pro
Free forever. Pro for extra room.
Meow Debt Pro comes as a monthly plan, a yearly plan or a one-time lifetime purchase. Fish snack packs are optional and only buy outfits. No free trial, no weekly plan.
No ads, no tracking — Free and Pro alike.
| Feature | Free | Meow Debt Pro |
|---|---|---|
| Debts, bill splits, friends, the jar, fish snacks | ||
| Open coinlings at once | 12 | Unlimited |
| Nudge voices | Sweet | Sweet + Tease, Blunt |
| Watermark on cards | Always on | Can turn off |
| Excel report | No | |
| Pro outfits for the trio | No |
Questions
Good to know
What is Meow Debt?
Meow Debt is an IOU book for iPhone and iPad. Type one sentence to log a debt, split a bill with the group, and let three mascots, Bestie, Hihi and Chill, write a friendly nudge card that you send yourself.
Is Meow Debt free?
Yes, free to use: debts, bill splits, friends, the coin jar, fish snacks and the Sweet voice. The free book holds 12 open coinlings at once. Meow Debt Pro (monthly, yearly or lifetime) adds unlimited coinlings, the Tease and Blunt voices, cards without the watermark, Pro outfits and an Excel report. There is no free trial.
Does Meow Debt message my friends by itself?
Never. Nudge cards only go out when you tap send, in the messaging app you choose. Reminders are just for you: at most once a day, 3 times a week, never after 9 PM.
Where is my data? Do I need an account?
No account. Your book stays on your device and syncs through your own iCloud, attached photos too. No ads, no tracking, no data collected. You can lock it with Face ID and shake your phone to hide the amounts.
Does Meow Debt move money?
No. Meow Debt only keeps records: it doesn't lend, hold or move money. You can put your get-paid QR code or payment link on a nudge card so friends pay you directly with their own bank app.
How does splitting a bill work?
Open Add a coinling, tap "Splitting a bill?" and go through three steps: the bill, who ate, and how to split it (equally, by item or by share). Mark who already paid at the table; everyone else becomes a coinling.
Who are Bestie, Hihi and Chill?
The trio that keeps your book: Bestie the cat (Sweet voice), Hihi the tanuki (Tease) and Chill the toad (Blunt). Rename them, dress them up with fish snacks, or turn on Serious mode to hide them and keep just the numbers.
Add your first IOU and let the trio handle the awkward part.
Coming soon to the App StoreiPhone & iPad · iOS 18 or later
Free to use · No account · No ads