I owe you.  和  I owe it to you.看起来是不是好像啊？多一个it，其实它们的意思是不同的哦！

1:I owe you one=I owe you a favour.我欠你一个人情。引申开来也可以这样I owe you a big favour.我欠你一个大大的人情。I owe you an apology.我欠你一个道歉。2:I O U=i owe you.欠条。If you wanna borrow money from me ,you should write an I O U first.如果你想找我借钱,先写个欠条。I don't have any money ，can I give you an  I OU for one hundred?我没钱了，我可以给你一张借条借一百块钱吗？3:How much do I owe you？我欠你多少钱？You owe me one hundred你欠我100元.When can you give back the money that you owe me.你欠的钱什么时候还我？

加一个all意思更强烈i owe it all to you。1:I owe it to you that I am still alive.多亏了你我才活着。2:I owe it all to you that I can finish this job in time.全靠你你我才能及时完成这个工作。3:I have had the most wonderful time of my life,I owe it all to you我度过了生命中最美好的一段时光,全因有你。