# owed +

> App for tracking and settling debts, with payment requests and cross-platform access. (iPhone/iPad app by Josh Gdovin.)

- Source: https://appshunter.io/ios/app/owed-plus/id6752716669 (this page in markdown: same URL + `.md`)
- Developer: [Josh Gdovin](https://appshunter.io/developer/875672888)
- Category: Finance, Productivity
- Price: $0.99
- Rating: 4.40/5 from 7 App Store ratings · 8 written reviews indexed
- Age rating: 17+
- Requires: iOS 18.0 · 10 MB
- Languages: American English
- Released: 2025-11-12
- Data updated: 2026-08-18
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/owed-plus/id6752716669/reviews.md

## What is owed +?

Introducing the All-New Owed+ App
Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable.

What's New:
Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop.

Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly.

Request Money in Seconds – Send payment requests directly via text message for Apple Pay, PayPal, and Venmo. 
No more awkward conversations or forgotten debts – tap, text, and get paid.

Make It Yours – Personalize your experience by selecting from multiple app icon designs that match your style.

Meet Gus, Your Helpful Guide – Say hello to Gus, our friendly pig mascot! Gus is here to walk you through the new app, share helpful tips, and make getting started a breeze. Whether you're new to Owed+ or returning to explore all the improvements, Gus has got your back.

The new Owed+ app isn't just an update – it's a complete transformation designed to make tracking who owes what simpler, faster, and more accessible than ever before.

## Key features

- Cross-platform access
- Enhanced visibility with color palettes
- Request money via text message
- Personalize app icon
- Helpful guide mascot

## Chart rankings

- #108 in Top Paid · Finance (US App Store)

## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/owed-plus/id6752716669/reviews.md

### 5/5 — App makeover

*2026-03-31*

Looks like the developers did some nifty updates. Been using the app for a long time and I use it for everything, from what I owe my friends in golf betting to keeping track of “loans’ off the books ;)
Thanks and keep up the good work!

### 5/5 — Problems have been fixed

*2026-03-30*

They got back to me that problems have been fixed. Had always been happy with the app

**Developer response:** Thank you so much for taking the time to leave a review — I really appreciate it! I'm so sorry you ran into that issue, and I completely understand how frustrating that must have been. The good news is I've already added some fail-safes to make sure it doesn't happen again! I'd love the chance to win back your trust, and I hope you'll give owed+ another shot. 😊

### 5/5 — Great for keeping track of money!

*2026-03-30*

Cool app that I use often for keeping track of money that’s lent and borrowed. Good to see the cloud syncing is fixed. 👏

**Developer response:** Thanks for the review! There was a new version of the app that was pushed out that should fix your cloud syncing issue. I hope you are enjoying owed+

### 5/5 — Finally, a debt tracker that gets it right!

*2026-03-29*

I've tried a dozen apps to keep track of who owes me what, and they all feel either over-engineered or completely barebones. owed+ is the first one that actually feels like it belongs on my iPhone.
The UI is clean, intuitive, and genuinely polished — you can tell a real designer built this. Adding a person and logging what they owe takes about five seconds. No bloat, no unnecessary steps. The iCloud sync works flawlessly across my devices, and I love that my data is just there when I need it — no accounts, no subscriptions, no nonsense.

The payment request integration is a game-changer. Being able to send an Apple Pay, Venmo, or PayPal request directly from the app means I'm not fumbling between apps trying to remind someone they still owe me for dinner. One tap and it's handled.

The email reminder feature is subtle but incredibly useful — perfect for those situations where you don't want an awkward text conversation but still need a nudge to get sent.

And Gus? The little pig mascot on the load screen is genuinely charming. It's one of those small details that makes you smile every time you open the app. Whoever animated that deserves a raise.

If you've ever had money float into the void because you forgot to follow up, download this now. It pays for itself the first time someone actually pays you back.

### 3/5 — Good for keeping track of money

*2026-01-13*

Pretty good app overall, might need update for cloud to work properly

### 1/5 — Updates clear data

*2026-01-12*

Every time phone updates it clears all the data. I have lost everything twice.

### 1/5 — Update cleared all my logs

*2026-01-11*

Cloud wasn’t working. Update cleared my one device I dedicated to logging everything.

update: every single update clears everything. making this app beyond useless and an overall loss. sincerely can’t believe this is being passed off as an update.

**Developer response:** Thank you for sticking with owed+ and for taking the time to share your experience — even though it was clearly a frustrating one, and rightfully so. Losing your data more than once is absolutely unacceptable, and I'm genuinely sorry that happened to you.

The good news: both of these issues have been fixed. Cloud syncing is back up and running, and I've put a fail-safe in place so that future updates will never overwrite your data again. Your logs are safe going forward.

I know trust has to be earned back, and I'd love the chance to do that. If you run into anything at all, please don't hesitate to reach out directly. I'm a solo developer and I truly care about getting this right. 🙏

### 1/5 — Update cleared all my logs

*2025-12-21*

Cloud wasn’t working. Update cleared my one device I dedicated to logging everything.

## Frequently asked questions about owed +

### How secure is owed +?

The app is designed for finance tracking and is rated for ages 17+, suggesting a focus on mature user security. Specific security protocols are not detailed in the description, but it is a paid application, often indicating a higher level of user data protection.

### What payment methods can I request money for with owed +?

You can send payment requests directly via text message for Apple Pay, PayPal, and Venmo. This allows for quick and convenient settlement of debts with friends and family.

### Does owed + have ads?

No, owed + does not contain advertisements. As a paid application, it offers an ad-free experience for users.

### What devices does owed + support?

owed + is available on iPhone and iPad, with seamless access across all your devices including Mac desktop. This cross-platform compatibility ensures you can manage your debts from anywhere.

### How often is owed + updated?

The app was last updated on March 29, 2026, indicating active development and support. This suggests that new features and improvements are regularly rolled out.

### What is the price of owed +?

owed + is a paid application priced at $0.99. This one-time purchase grants you access to all its features for debt management and payment requests.

### What do users like about owed +?

User feedback highlights the app's fresh, modern interface designed for effortless IOU management. The ability to request money via text for popular payment apps and the cross-platform freedom are also key benefits.

### Can I customize the look of owed +?

Yes, you can personalize your experience with owed + by selecting from multiple app icon designs that match your style. The app also features new color palettes for enhanced visibility and comfort.

## Version history (last 5 releases)

### 4.6 — 2026-04-20

Say hi to the new Gus! He's got a brand new intro animation with a cheeky little twirl — someone's been hitting the gym for summer. 

We've also given the UI some love.

### 4.5 — 2026-03-29

Gus got a little makeover in the settings!  He updated his email address, so you now have a direct line straight to him.

### 4.4 — 2026-03-26

Gus made a small update to the iCloudSync system

### 4.2 — 2026-03-25

1. Spring has arrived, and Gus is already ahead of it — the snow animation is officially retired for the season. Stay tuned to see what he dreams up next.
2. Gus finally got the glow-up he always wanted — his icon has been updated with that signature pinkish hue he's been dreaming about.
3. A few weeks back, Gus spotted a bug causing iCloud Sync to misbehave. He wouldn't let it go until it was fixed — so we dug in, squashed it, tested it thoroughly, and it's now rolling out to you.

### 3.8 — 2026-01-09

Gus has updated the review button to redirect you directly to the review section for the owed+ app.

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## More apps by Josh Gdovin

- [owed](https://appshunter.io/ios/app/owed/id875672885)

All apps by Josh Gdovin: https://appshunter.io/developer/875672888

## Related topics

[owed](https://appshunter.io/ios/topics/owed)

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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 2026-08-18.*