How it works

Track who owes who, in three steps.

No bank connection, no spreadsheet. Just a shared ledger both sides agree on.

Add a friend

Scan their code in person or search by username. Your contact list stays private; only mutual connections see each other.

Owe someone? Drop an IOU. Someone owes you? Send a nudge. Add a description, set the amount, both sides stay in the loop.

When you are ready, tap to settle. Both sides confirm the amount. No surprises, no disputes. Clean slate.

More than IOUs

Going away? Create a Circle, add friends, split expenses on the fly. Nudj works out who owes what.

Run a game night. Log buy-ins and cash-outs and Nudj turns chip counts into IOUs automatically.

If Alex owes you and you owe Sam, pass the debt along. Fewer transactions, everyone stays square.

Log IOUs without a connection. Everything syncs the moment you are back online.

Create an account in seconds. No credit card, no bank connection.