A simpler way to remember money.
Keep track of money you have lent, borrowed, and paid back without digging through messages, notes, or spreadsheets.
- Free beta
- No account
- Data stays on your device
What Owwed does
Every money promise, in one place.
Whether you covered dinner, lent a friend money, or need to pay someone back, Owwed keeps the details clear without making the relationship feel transactional.
- 01
One calm overview
See what is outstanding
See who owes what and what you still need to pay, without piecing the story together.
- 02
A history you can trust
Keep the full picture
Amounts, payments, due dates, and remaining balances stay together from start to finish.
- 03
Quiet, useful reminders
Remember at the right time
Set a private reminder on your phone and let Owwed hold the date for you.
Private by default
Your data stays with you.
Owwed does not need an account or a cloud service. Your data stays on your phone unless you choose to create a backup.
Read the plain-language privacy policy →- Local-firstDebts, people, and payments are stored on your device.
- No accountDownload it and start keeping track.
- Works offlineYour records remain available without a connection.
- Backups are your choiceMake and save a backup when you need one.
Questions
A few things you might want to know.
There is more detail in the help center if you need it.
Visit the help center →What is Owwed?
Owwed is a private app for recording money you’ve lent and money you owe. It keeps balances, payments, due dates, and reminders together.
Does it move money?
No. Owwed records informal debts. It doesn’t connect to a bank, send money, or contact anyone on your behalf.
Is it free?
Yes. The beta is free, with no subscriptions or ads.
Where is my data stored?
Your debts, people, and payments stay on your device by default. You can create a backup yourself whenever you choose.
Get Owwed
Try Owwed on iPhone.
The iOS beta is available through TestFlight. Leave your email for an Android beta invite.