IOU Tracker App
Track Who Owes Who Between Friends
No more awkward “hey, you owe me” texts. Nudge lets you track who owes what with a friendly tap — both sides confirm, nobody gets surprised.
Drop vs Nudge
Two ways to log an IOU. Both keep things fair.
Drop
You log what YOU owe
A self-initiated acknowledgment. You borrowed money, split a bill, or got spotted for lunch — so you drop an IOU to keep things honest. The other person confirms and it’s recorded.
Nudge
You request what THEY owe
A gentle reminder. You covered dinner or lent someone cash — so you send a nudge to let them know. They review, confirm the amount, and the IOU is tracked. No pressure, no confrontation.
Both require mutual confirmation — nothing is recorded until both sides agree.
How the flow works
From nudge to settled in four simple steps.
Create
Log an IOU or request what you're owed
Send
Your friend gets a friendly nudge notification
Confirm
Both sides agree on the amount
Settle
Square up with one tap when ready
Built for trust
Every feature is designed to keep things fair and friendly.
Mutual confirmation
Every IOU requires both sides to agree. No one-sided charges, no disputes.
No surprise charges
You always review before confirming. Nothing happens without your say-so.
Full history
Every drop, nudge, and settlement is logged with timestamps you can revisit anytime.
One-tap settlement
When you're ready to square up, it takes a single tap. No math required.
Frequently asked questions
Track IOUs without the awkwardness
Join friends who use nudj to keep money simple. No bank connections, no real payments — just a friendly IOU app that tracks who owes what.