Hihi
Pro
Pro
Pro
Pro
Pro
30
Pro
Pro
Pro
Pro
Pro
30
Pro
Pro
Pro
Pro
Pro
50
Pro
Pro
Pro
Pro
Pro
30
Pro
Pro
Pro
Pro
Pro
30
The total, split evenly.
Make 3 coinlings · $54.75 comes home to Sam
Features
Every feature, try it right here
Pick a card and the phone plays it, with the app's own screens and words. Then age a coinling, switch voices on a nudge card and dress up the trio.
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. A due date is optional. No due date, never overdue.
Coinlings grow up day by day from when you add them. No numbers to read — a glance tells you which one to call home first. Coinlings are never sad or cross. Mossy just means they dozed off.
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. Meow Debt never sends anything on its own — you always press send.
You paid: each friend becomes a coinling out playing. A friend paid: your share becomes a coinling staying with you. Leftover cents go to whoever paid the bill.
When a debt is paid off, the red pen crosses it out, the coinling runs home, and Chill gulps it up and drops it in the jar. The Jar tab keeps every coinling that came home — shake your phone to hear them jingle. Want to let it go? Gift the coinling — the book records a present, not a debt.
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.
An animated preview of the app. Real screenshots are on the home page.
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.
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.
Split a bill
Three ways to split, all fair
Open Add a coinling, tap “Splitting a bill?” and go through three steps: Bill: name, total, who paid. Who ate: pick everyone at the table. How to split: see what each person owes.
Tap who ate each dish — skipped the beef, skip paying for it.
Make 3 coinlings · $51.25 comes home to Sam
Bigger appetite? Give them ×2 or ×3 shares.
Make 3 coinlings · $58.40 comes home to Sam
- Someone paid at the table? Mark them “Paid on the spot” — no coinling for them.
- Leftover cents go to whoever paid the bill.
Friends
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.
Sort by “Needs a call” to see who to nudge first.
Owe each other? “Settle up” in one tap.
Tap a friend for their history, payback pace (only you see it), renaming or merging duplicates.
Each payment carves out a slice. Paid in full? The red pen crosses it off and the coinling heads for the jar.
Keep the book, feed the trio. Tiny amounts don't earn snacks when they come home or get gifted, and there's a daily cap — snacks are treats, not a grind. Want more? Snack packs are in the Shop.
Widgets: A glance at your Home Screen shows who's homesick.
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.
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 |
Not for
What Meow Debt will never be
A small book for money between friends. If you need one of these, another app will serve you better:
- Budgets, expense tracking or spending charts
- Bank connections or moving money (Meow Debt never touches your money)
- Lending with interest, or collecting debts from strangers
- Sending reminders automatically (you always press send yourself)
- Streaks, leaderboards or anything that shames people who owe
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