Best Owe alternatives: apps like Owe - Monthly expense tracker

10+ similar apps compared and reviewed

4.1 avg rating
10 free apps
Updated November 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 ๅ€ฉ ่ตต

Payment Track, Snowball Method
Editor's Choice
๐Ÿ’ฐ Finance
3.7๐Ÿ˜(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

  • ๐Ÿ‘ Easy to use and understand
  • ๐Ÿ“Š Helps track debt and payments
  • ๐Ÿ’ก Shows principal paid and interest
  • ๐Ÿ“ˆ Forecasts payoff time
  • ๐Ÿ’ฐ Useful for snowballing debts
  • โœ… Reliable and dependable
  • โœจ Simple and organized layout
  • ๐Ÿš€ Calculates interest quickly
  • ๐Ÿ’ฏ Free and functional

Room to Improve

  • ๐Ÿ› Cannot input prior payments
  • ๐Ÿ› Cannot add accounts with $0 balance
  • ๐Ÿ› Cannot change payment amounts after setup
  • ๐Ÿ› Cannot update balance without re-entering
  • ๐Ÿ› Inaccurate payment recording
  • ๐Ÿ› Issues with dates
  • ๐Ÿ› Only allows monthly payments
  • ๐Ÿ› Free version limits to one debt
  • ๐Ÿ› Does not allow extra payments
  • ๐Ÿ› Calculations can be off
PayMeLater Friend Debt Tracker#2

PayMeLater Friend Debt Tracker by Nicovate Limited

Track debts and split bills
Strong Contender
๐Ÿ’ฐ Finance
4.8(74 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.

Loan Tracker: You Owe Me#3

Loan Tracker: You Owe Me by IEVGENII IABLONSKYI

IOUs, Bills & Repayment Plans
Worth Considering
๐Ÿ’ฐ Finance
4.5๐Ÿ˜Š(357 ratings)
FreeIn-App Purchases
Loan Tracker: You Owe Me screenshot 1
Loan Tracker: You Owe Me screenshot 2
Loan Tracker: You Owe Me screenshot 3
Loan Tracker: You Owe Me screenshot 4
Loan Tracker: You Owe Me screenshot 5
Loan Tracker: You Owe Me screenshot 6

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.

What We Love

  • ๐Ÿ‘ Simple and easy to use
  • ๐Ÿ“ˆ Keeps records organized
  • ๐Ÿ’ก Developer is receptive to ideas
  • โœจ Improvements and adjustments made
  • ๐Ÿ’ฐ Ability to add interest
  • ๐Ÿ”„ Recurring charge function helpful
  • ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ Great for family loans
  • ๐ŸŽฏ Reminders and letters effective
  • ๐Ÿ’ฏ Highly recommended by users
  • ๐Ÿš€ Smooth app performance
  • ๐Ÿค Responsive and helpful developer
  • โœ… Intuitive interface
  • ๐Ÿงฎ Tracks loans and debts
  • ๐Ÿ“‚ Flexible editing of entries
  • ๐ŸŒŸ Fills a much-needed niche

Room to Improve

  • ๐Ÿ› Total owed calculation incorrect
  • ๐Ÿ› App freezes after data entry
  • ๐Ÿ› Data loss after updates/reinstalls
  • ๐Ÿ› Unable to see past entry details
  • ๐Ÿ› App not working after purchase
  • ๐Ÿ› UI is outdated and not intuitive
  • ๐Ÿ› In-app purchase issues
  • ๐Ÿ› Date selection off-screen
  • ๐Ÿ› Edits and save buttons not working
  • ๐Ÿ› Entries swapping categories
  • ๐Ÿ› Can't add more people after update
  • ๐Ÿ› Currency not showing
  • ๐Ÿ› No iPad support
  • ๐Ÿ› Can't add/subtract as running list
  • ๐ŸŽจ UI is too gray

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4
Pay Off Debt: Debt Calculator
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Debts Break
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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.

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Track IOUs & get paid back
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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
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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
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Sono: Debt tracker and manager
Sono: Debt tracker and manager
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Record & Track Debts
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Easily track money borrowed and lent with this finance management tool. Record transactions, manage contacts, and get summaries of your debts. Offers cloud storage, PIN lock, and data export options.

Record borrowed and lent moneyDisplay debt summariesManage debtors and creditors
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EzDebt Book - Debt Manager
EzDebt Book - Debt Manager
EzDebt Book - Debt Manager
Manage your daily debts.
Free

Easily track loans and manage debts with reminders and organized contact information. View cash flow, export reports, and secure your financial data with cloud backup and app lock features. Supports multiple currencies and accounts.

Track loans and debtsSet payment remindersManage borrowers and lenders
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