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About us

Our story

IOU is a startup based in Zurich, Switzerland. The three letters stand for «I owe you». IOU offers roommates, travel groups and clubs a service that aims to support them in the management of shared expenses.


The idea for this online tool originated out of the necessity of the two founders, Marc Brogli and Jan Berchtold. They were looking for a straightforward solution for managing common expenses rather than using complex spreadsheets for the settlements of debts.

The founders

IOU's founding team is made up of Marc Brogli and Jan Berchtold. Marc Brogli studied Business Administration at the University of St. Gallen in Switzerland. Jan Berchtold completed his Master's Degree in Mechanical Engineering at ETH Zurich, focusing on Product Development.


Next to developing the application, the two graduates have gained considerable work experience. Marc has gained many years of experience in the financial industry, where he is currently working for an asset manager. Jan has worked in several industrial institutions as well as in consulting. He is currently managing the family's firm in the field of advertising technology.


Internationality is important to both founders. Both have international experience in their academic education, studying abroad on numerous occasions. They also enjoy traveling, especially in the Nordics.


Not only do Marc and Jan extensively use IOU in these situations, but also on a daily basis as they both live with roommates and can hence simplify their cost management.