"That on you" is an informal, often joking way of saying "that is your fault", I think it's probably short for "The blame lies on you". E.g. "I didn't know it was your birthday!" "Well that's on you!" Implying that they should have known or found out. Maybe also as GuideDogSaint says, it could be used to say something is your responsibility, e.g. "Someone needs to bring drinks." "That's on you." Although, I don't think that is common. "It's by you" sounds very weird to me, I don't really know in what context you would say that, except for literally, e.g. "Who is this article (written) by?" "It's by you!" Maybe it is just not used in my part of the world.