Best Owe alternatives: apps like Owe - Monthly expense tracker

10+ similar apps compared and reviewed

4.1 avg rating
10 free apps
Updated October 2026

Looking for something like Owe? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to Owe

Debts Monitor#1

Debts Monitor by 倩 赵

Payment Track, Snowball Method
Editor's Choice
💰 Finance
3.7😐(51 ratings)
FreeAds
Debts Monitor screenshot 1
Debts Monitor screenshot 2
Debts Monitor screenshot 3
Debts Monitor screenshot 4
Debts Monitor screenshot 5

Organize and track all your debts in one place. This app uses the popular Snowball method to help you manage and pay off your debts efficiently. Visualize your progress, see payoff dates, and receive payment reminders to reduce financial stress.

What We Love

  • 👍 Easy to use and understand
  • 📊 Helps track debt and payments
  • 💡 Shows principal paid and interest
  • 📈 Forecasts payoff time
  • 💰 Useful for snowballing debts
  • ✅ Reliable and dependable
  • ✨ Simple and organized layout
  • 🚀 Calculates interest quickly
  • 💯 Free and functional

Room to Improve

  • 🐛 Cannot input prior payments
  • 🐛 Cannot add accounts with $0 balance
  • 🐛 Cannot change payment amounts after setup
  • 🐛 Cannot update balance without re-entering
  • 🐛 Inaccurate payment recording
  • 🐛 Issues with dates
  • 🐛 Only allows monthly payments
  • 🐛 Free version limits to one debt
  • 🐛 Does not allow extra payments
  • 🐛 Calculations can be off
PayMeLater Friend Debt Tracker#2

PayMeLater Friend Debt Tracker by Nicovate Limited

Track debts and split bills
Strong Contender
💰 Finance
4.8(72 ratings)
FreeIn-App Purchases
PayMeLater Friend Debt Tracker screenshot 1
PayMeLater Friend Debt Tracker screenshot 2
PayMeLater Friend Debt Tracker screenshot 3
PayMeLater Friend Debt Tracker screenshot 4
PayMeLater Friend Debt Tracker screenshot 5
PayMeLater Friend Debt Tracker screenshot 6

Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

More apps like Owe

4
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs, Bills & Repayment Plans
Free

This app helps manage money shared between friends, family, or partners. It tracks loans, splits bills, and facilitates clear communication about debts and repayments with built-in message templates and professional statements.

Track loans and IOUsSplit bills easilyBuilt-in Money Messages for conversations
💰 Finance
(356)
free with in-app purchases
5
Debts Break
Debts Break
Debts Break
Payoff Plan & Snowball Method
Free

This app helps you become debt-free using popular payoff strategies like the Snowball method. It offers visual tracking, detailed reports, and multiple payoff plans to manage your debts effectively and save on interest.

Debt payoff strategies (Snowball, Highest Interest, Lowest Balance, etc.)Visual debt tracking and progress monitoringAutomatic balance updates
💰 Finance
(96)
free with in-app purchases
6
Debt Manager: Debt Tracker
Debt Manager: Debt Tracker
Debt Manager: Debt Tracker
Track IOUs & get paid back
Free
💰 Finance
(0)
7
Debt Tracker Master
Debt Tracker Master
Debt Tracker Master
Card & Loan Payoff Planner
Free

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

Debt recording and organizationRepayment progress trackingPayment planning outlook
💰 Finance
(3)
free with in-app purchases
8
Debt Tracker by UnDebt
Debt Tracker by UnDebt
Debt Tracker by UnDebt
Loan Payoff Planner & Snowball
Free

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

Custom debt categoriesInterest rate trackingTrack lent and borrowed money
💰 Finance
(5)
free with in-app purchases
9
Stack - Simple Debt Manager
Stack - Simple Debt Manager
Stack - Simple Debt Manager
The fastest debt manager app
Free

Easily track and manage personal finances by categorizing credit and debt across multiple devices. Create separate spaces for different financial situations, share summaries, and use the built-in calculator for complex calculations.

Categorize credit and debtCreate multiple financial spacesShare debt summaries
💰 Finance
(6)
free
10
Debt Tracker - Debts
Debt Tracker - Debts
Debt Tracker - Debts
Easy to use debt tracker
Free

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Manage debts and receivablesSeparate by currencyDebt payoff planner
💰 Finance
(105)
free with in-app purchases