Owe Book: Who Owes Me Money

Owe Book: Who Owes Me Money

IOU tracker & bill splitter

2 ratings
1 review
Free
In-App Purchases

Details

Released
July 9, 2026
Updated
October 23, 2026

Features

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About

Easily track loans, IOUs, and split bills with friends. This app organizes all your debts and payments in one place, with optional receipt photos and payment reminders. It offers private syncing via iCloud and detailed financial overviews.

✓Track loans and IOUs
✓Split group bills
✓Attach receipt photos
✓Set payment reminders
✓Private iCloud sync
✓Widgets for quick access
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What's New in Owe Book

2.0

October 23, 2026

Owe Book 2.0 is our biggest update: a bold new look, groups everyone can add to, and much less typing. GROUPS, TOGETHER • Share a group through iCloud: everyone you invite sees the same expenses and balances on their own device and adds their own. Sharing is part of Pro; the people you invite join free. • Your first group is free • Attach a receipt photo to a group expense • Remind Everyone writes one friendly message for the group chat, listing who pays whom • Add people to a group without adding them to your People list A NEW LOOK • Your balance is a color you read at a glance: mint when you're owed, clay when you owe, brass when you're square • Home, People, Groups and Settings tabs, and a sidebar on iPad and Mac • A small celebration when a balance is settled LESS TYPING • Entries that repeat every week or month (Pro) • Read the total and date from a receipt photo (Pro) • Add an entry by asking Siri (Pro), or open a new one from Control Center • Mark a debt paid right from the Due Soon widget (Pro) • PDF statements for a person or a group (Pro) SETTLE BY PERSON • Record one payment and that person's oldest entries are paid off first • Each person's page shows what was lent, borrowed, repaid and still owed in each currency, with the full history ALSO • Changes from your other devices arrive without opening the app • Clearer contrast and better VoiceOver support

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Subscriptions & In-App Purchases

Owe Book Pro Monthly

Shared groups, iCloud sync, PDFs, Siri: billed monthly

$1.991 Month
How to cancel Owe Book subscription ⁉️

User reviews

Finally.

I had a flawless Android app for my IOUs, but couldn’t find one on iOS that didn’t sacrifice a ton of features behind a subscription paywall. This app also has a subscription, BUT there are two reasons I chose this over all the rest. One, it’s still usable in the free version. You’re not missing out on much aside from data backup with Pro. Two, IT’S A ONE-TIME PURCHASE! No subscriptions! Love the app? Pay $7 and you own it for life, cross-platform also. All that’s missing is a Home Screen widget!
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Developer apps

FAQ

What is Owe Book?

Owe Book is a finance app designed to help you track every loan, IOU, and split bill. It organizes your debts and payments, offering features like receipt attachments and payment reminders to keep your finances clear.

How does Owe Book handle privacy?

Owe Book is private by design. Your ledger stays on your device and syncs privately through your own iCloud. There is no account creation required, and no data is shared with the developers.

Does Owe Book have ads?

No, Owe Book is ad-free. The app explicitly states that there are no ads, ensuring an uninterrupted user experience for tracking your debts and expenses.

What features are included in Owe Book Pro?

Owe Book Pro unlocks group bill-splitting, Face ID/Touch ID lock, CSV statement export, and the ability to choose from a full list of currencies as your home currency.

What are the pricing options for Owe Book Pro?

Owe Book Pro offers flexible options: a monthly subscription, a yearly subscription, or a one-time purchase that never renews. Subscriptions can be managed or canceled in your App Store account settings.

On which devices can I use Owe Book?

Owe Book is a native app available on iPhone, iPad, and Mac. It supports 17 languages, which can be changed within the app for immediate effect.

How often is Owe Book updated?

The latest version of Owe Book is 1.1, which was last updated on August 29, 2026. Updates typically include new features and improvements to enhance the user experience.

What is the user rating for Owe Book?

Owe Book has a rating of 4.0 stars based on 1 rating. This indicates a generally positive reception from its users.