# Owe - Monthly expense tracker — Track what you owe or are owed

> Personal finance tracker for debts owed and owing, with budgeting tools. (iPhone/iPad app by Andy Dobson.)

- Source: https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560 (this page in markdown: same URL + `.md`)
- Developer: [Andy Dobson](https://appshunter.io/developer/619478854)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 1.80/5 from 4 App Store ratings · 38 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 18 MB
- Languages: American English
- Released: 2013-07-22
- Data updated: 2026-08-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews.md

## What is Owe?

Owe is the simple way to keep track of money — who owes you, who you owe, and what's due next. No bank logins, no accounts, no spreadsheets. Just add a payment and Owe keeps you on top of it.

ALL-NEW DESIGN
Completely rebuilt with a clean, modern interface that puts your balances front and centre.

SEE IT ALL AT A GLANCE
• Your weekly or monthly balance — what you owe and what you're owed — on one screen
• A simple graph of what's due across the week or month
• Payments grouped by day, so you always know what's coming next

TRACK ANY KIND OF PAYMENT
• One-off payments — dinner, tickets, borrowed cash
• Recurring payments — rent, bills and subscriptions, weekly or monthly, even "every second Friday"
• Instalments — break a big payment into smaller ones and watch your progress as you pay it off

NEVER MISS A DUE DATE
• Get a reminder on the day a payment is due
• Home Screen widget shows what's due today and what's next
• Mark payments as paid with a single tap

MAKE IT YOURS
• Filter payments by paid, unpaid, or recurring
• Sort by due date, date added, or name
• Choose your currency (£, $, €, ¥, ₹, ₽) and date format

PRIVATE BY DESIGN
Your data stays on your device. No account, no sign-up, no bank connection — Owe never sees your financial information.
Whether it's rent, a loan from a friend, or splitting last night's dinner, Owe makes sure nothing slips through the cracks.

Download Owe and stay on top of what you owe — and what's owed to you.

## Key features

- Track one-off payments
- Manage recurring payments
- Filter payments by status/type
- Customizable date and currency formats
- List and calendar payment views
- Homepage widget for upcoming payments

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove Adverts | $3.99 | one-time |


## Recent user reviews (10 of 38)

All indexed reviews: https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews.md

### 4/5 — It’s ok

*2024-03-03, version 7.3*

Would be very good if there was an option to show full amount left owing overall when using the recurring payment option.

### 1/5 — What…?

*2023-10-16, version 7.3*

This app is just a simple reminder that you owe something and it does nothing more - save your 99 cents.
Sad.

### 1/5 — Doesn’t show remaining amount owed

*2023-05-17, version 7.3*

Doesn’t show remaining amount owed on recurring payments

Doesn’t have payment reminders

Seems to be orphaned

### 4/5 — Thank god for no monthly pay

*2023-05-16, version 7.3*

Love the app I just wish in the future the “paid” items can be put in a separate area instead with all the u paid one’s. Perhaps a green color to show paid also to visually show. Other wish simple app that’s all I need.

### 2/5 — Filter Options Broken

*2022-12-08, version 7.3*

Wanted a simple app for seeing what payments I had but the filter option just doesn’t work, you can only have it show in order of amounts but doesn’t help when you want to see what payment is next.
Once this is fixed I will update my review

### 1/5 — Keeps deleting records

*2022-08-17, version 7.3*

I’ve had this app for a few years and all I can say is that I’m glad I’ve kept records of payments elsewhere! It keeps deleting all the history. Useless. Deleting it now.

### 1/5 — Lacking

*2021-11-30, version 7.3*

I want an app that will show me my debt balance and deduct payments so I can keep up with my payoff schedule. It’s clear this app isn’t going to do that for me. I honestly can’t even see how this app is supposed to work. I input info for one credit card debt. For the amount am I putting the balance owed, or the payment amount? Either way, the app takes the info nowhere. It doesn’t even show up in the app calendar as a bill due. The other reviewer was talking about marking a tenant payment paid and having trouble - I can’t even see where he could’ve done that! Very poor design - not worth spending any more time on. Too bad.

### 3/5 — PARTIAL PAYMENT

*2021-04-11, version 7.3*

Hopefully with option to modify amount as partial payment. It will be helpful.

### 4/5 — Nice app but lack some features

*2020-12-22, version 7.2*

I hope you can add filters to see total per month or person. Also the ability to customized money paid on recurring payments and be able to see total remaining balance. Thank You!

### 5/5 — Unique & Very Useful App

*2020-11-04*

Very intuitive with a beautiful simple interface. 

I’d suggest adding “Dark Mode” and adding notes section right under the due date. 

Keep up the good work and amazing things will happen. Thank you!

## Frequently asked questions about Owe

### What does Owe: Debt Tracker & Planner do?

This app helps you meticulously track your personal finances, specifically focusing on who owes you money and who you owe money to. It provides tools to manage both one-off and recurring payments, making it easier to stay on top of your financial obligations and incoming funds.

### What are the key features of this debt tracker?

Key features include the ability to add one-off and recurring payments (monthly/weekly), filter payments by status or type, customize date formats and local currency, and view payments in either a list or calendar format. A homepage widget also provides a quick overview of upcoming payments.

### Is Owe: Debt Tracker & Planner free to use?

The application is free to download and use, offering core debt tracking and planning functionalities. However, it does include in-app purchases and advertisements, suggesting that some advanced features or an ad-free experience may be available for purchase.

### Who is this app intended for?

This app is designed for individuals who want to gain better control over their personal finances. It's particularly useful for those who need to track multiple debts, manage money lent to others, and ensure they meet all their payment deadlines effectively.

### Can I customize how I view my payments?

Yes, the app offers flexible viewing options. You can choose to see your payments organized in a straightforward list, or opt for a visual calendar view. Additionally, you can order your payments by date added, due date, or name, in ascending or descending order.

## Version history (last 5 releases)

### 8.4 — 2026-08-06

Fixed issues with dark mode

### 8.3 — 2026-08-05

Added list view to list payments as a list

### 8.2 — 2026-08-04

Added a way to manually restore previous entries

### 8.1 — 2026-08-03

Fixed issue with some entries being lost from previous upgrade

### 8.0 — 2026-07-27

Added new dashboard to visualise your finances better

## Apps similar to Owe

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance |
| [Bills Organizer & Reminder](https://appshunter.io/ios/app/bills-organizer-and-reminder/id1352782733) | 4.7 (24,162) | Free | Finance |
| [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (83,954) | Free | Finance |
| [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,396) | Free | Finance |
| [Debt Snowball - Payoff Planner](https://appshunter.io/ios/app/debt-snowball-payoff-planner/id1478622759) | 4.7 (1,315) | Free | Finance |
| [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,653) | Free | Finance |

## More apps by Andy Dobson

- [Switch Up: Spooky Halloween](https://appshunter.io/ios/app/switch-up-spooky-halloween/id954273412)
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- [Roman Numeral Converter XI](https://appshunter.io/ios/app/roman-numeral-converter-xi/id1106673353)
- [Gameweek: Football Predictor](https://appshunter.io/ios/app/gameweek-football-predictor/id6462674755)
- [Numberville: Maths for Kids](https://appshunter.io/ios/app/numberville-maths-for-kids/id6779402388)

All apps by Andy Dobson: https://appshunter.io/developer/619478854

## Related topics

[expensive monthly](https://appshunter.io/ios/topics/expensive-monthly) · [owe](https://appshunter.io/ios/topics/owe)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*