PEOPLE
Every person.
Every balance.
See who owes you, what is due and what has been paid. All together, organized by person.
Money owed to you. All in one place.
Loans, shared subscriptions and everyday expenses. Keep track by person, right on your iPhone.
App Store
Your data lives on your iPhone.
A little less keeping track.
A lot more clarity.
From the first loan to the last payment, every detail has a place.
Every person.
DUE-DAY REMINDERS
A little nudge.
Right on time.
Local reminders for financing and recurring payments, at 9:00 on the due day.
9:00on the due day
YOUR RECORDS
Big purchases.
Little things.
Three ways to record what you are owed.
Financing
Split a purchase into installments. Track full or partial payments, down to the cent.
Recurring
Shared subscriptions and regular bills, with weekly, monthly or yearly schedules and recognizable logos.3
One-Time
Dinner, tickets or a favor. Keep it visible until it is paid.
FINANCING
Monthly payments.
Without the math.
The total, the installments and the remaining balance. OweMe keeps the numbers together.
CALENDAR
Know what is due.
And when.
See scheduled charges on your calendar. Pick a day to see the people and payments behind it.
COLLECTION DAY · PRO
Just press send.
An itemized message for what is owed this month. Review it in Messages, then send it yourself.2
You stay in control.
PRIVATE BY DESIGN
Your ledger.
Your iPhone.
No sign-up. Your records live on your iPhone, with optional sync through your own iCloud with OweMe Pro.1
How your data is handled
Made for everyday peace of mind.
Start for free
2 people and 5 active debts. Enough to make yourself at home.
Grow with OweMe Pro
Unlimited people and debts, iCloud Sync and Collection Day. Monthly, yearly or lifetime.
Simply a personal ledger
Record payments you have received. No bank connection and no money transfers.
A few things to know.
Does OweMe move money or send payment requests?
No. OweMe is a ledger. It records what people owe you and what you have received. It does not connect to banks, Zelle, Apple Cash or any card. When you record a payment, you are writing it down, not moving it.
Do I need an account?
No. There is no sign-up, no email and no password. iCloud Sync, if you turn it on, uses the iCloud account already on your iPhone.
Does it send the reminder texts for me?
It writes them. OweMe opens Messages with the person’s number (or their email address if you saved no number) and an itemized message for the current month already filled in. You read it and press Send. On a device that cannot send texts, the message is copied to your clipboard instead. The app never contacts anyone on its own.
What happens to my data if I delete the app?
Deleting the app removes everything stored on the iPhone. If you had iCloud Sync on, the copy in your iCloud stays until you remove it. You can do that inside the app before deleting it (Account, iCloud & Data, Delete Data), or later from your iPhone’s iCloud storage settings.
Which currency and devices does it support?
OweMe shows amounts in US dollars and runs on iPhone with iOS 18 or later. There is no iPad, Mac or Watch version today, and no dark mode: the app is designed as a light interface.
How do I back up or move my data?
Your normal iPhone backup includes your ledger. With iCloud Sync, part of OweMe Pro, a copy also lives in your own iCloud, and a new iPhone can restore it from the welcome screen. OweMe does not export the full ledger as a backup file. You can choose to share a person’s summary or a reminder message.
Keep the numbers clear.
Keep life simple.
Your personal ledger, always close at hand.