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owed

money mangement made easy!

52 ratings
45 reviews
📊 Productivity
💰 Finance
Free

Details

Released
June 29, 2014
Updated
December 4, 2025

Features

Developer

Josh Gdovin
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🔄6+ apps
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❓5 answered
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About

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

✓Track multiple debts per person
✓Use contacts to add people
✓Set notifications
✓Send email/SMS reminders
✓Update contact information
✓View transaction history
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What users say about owed

Reviews of owed are mixed: the Finance app is rated 4.6/5 from 52 App Store ratings. What users like most: simple and easy to use, free with no ads/purchases. Top complaints: extremely limited functionality, debit/credit history not ordered. Summarized from real user reviews.

Positive things

  • 👍Simple and easy to use
  • 💰Free with no ads/purchases
  • ✨Clean and intuitive UI
  • 🎯Does exactly what it promises
  • 💡Useful for personal and business
  • ✅Good for tracking who owes who
  • 🚀Quick and to the point
  • 💯Well-executed concept

Negative things

  • 📉Extremely limited functionality
  • 🗂️Debit/credit history not ordered
  • ❓Lacks advanced features
  • 🤷‍♂️Editing/deleting options poor
  • ⚠️Some minor bugs reported
  • 🔄Update issues reported
  • 💸No multi-currency support
  • 🚫No recurring payment option
See all reviews

What's New in owed

2.9.7

December 4, 2025

The icon now shines bright with a crisp white color that stays consistent across your experience. The status bar has been beautifully updated to blend seamlessly with your color scheme. You'll see a special announcement welcoming you to discover owed+, now live on the App Store! An Exciting New Chapter! Today is a celebration—owed+ (3.0) has officially launched! This represents the next evolution of what we've built together, and I couldn't be more excited to share it with you. For 8 incredible years, owed 2.0 has been an amazing adventure. Your feedback, encouragement, and trust have meant the world to me. Knowing that this app helped make your life even a little bit easier has been truly rewarding. This isn't a farewell—it's an invitation! I'd be honored if you'd join me on this next chapter with owed+. There are so many exciting things ahead, and I can't wait to share them with you. Thank you from the bottom of my heart for being part of this journey. Your support has made all the difference, and I'm genuinely grateful. Here's to new beginnings!

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User reviews

Most RecentHighest RatedLowest Rated

Great App! Maybe a couple improvements🤞

Great app! Nice to find one that’s free. Would it be possible to have the “total” that’s displayed on home page inside the “person” view please. And I didn’t know if it was possible to have a date & time field on the “person view” that you can set for each debt ( for example say the next morning you remember that x person owes you 20 from last night but)

I know it’s a big ask but thought it was worth a try.

Thanks - Jake
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Jjakeyboy0505

Awesome Debt Traker

Awesome debt tracker been using this app probably for 45 years have not had one problem with it and it’s really easy to use and I’m really happy. I found it. Thank you.
AArcturus98

My only complaint

I only complaint is that the debit credit history isn’t in any kind of order, it would be nice if it was in date order
Lljj2meow

So good!

Simple but well executed. As a busy freelance musician, I use this app multiple times per week to keep track of who owes me what for each gig, session, etc….
Makes my life so much simpler. I would absolutely pay for this app
DEDamian Erskine

Multiple Currencies support

The app looks great. It’s very minimalistic, offers just what i was looking for, with the exception of 2 things.
1. i live in 2 countries and travel between the 2 often enough. It would be nice to be able to add entries in different currencies, and see the total converted to the main currency for example
2. I would like to see a summary of the money i owe/am owed in the home page, which would be the calculation of the money i owe to/am owed by all people.

Otherwise, looks great and i’ll probably continue using it
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VPVenko P
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Developer apps

owed +
owed +

by Josh Gdovin

💰 Finance

(7)

$0.99
See developer apps

User experience

🐞

Reported Bugs

17 issues

Debit/credit history not ordered

Bug

Cannot edit notes

Bug

Editing a debit brings up another debit

Bug

App crashes when adding new person/money

Bug

Glitch showing 'NaN' for amounts

Bug

Cannot save entry after editing

Bug

Settings descriptions trail off screen

Bug

Cannot input values on new iOS

Bug

Cannot change owing/owed direction

Bug

Crashed after adding data

Bug

Message 'No changes were made' when saving notes

Bug

App crashes when trying to add money

Bug

App crashes when adding a new person

Bug

Update removed totals by person

Bug

Update made app useless for some

Bug

Writing $20 shows $2,000.00

Bug

New update has no total display

Bug
✨

Requested Features

20 requests

Add date & time field for debts

Feature

Display 'total' within 'person' view

Feature

Summary of money owed/owing on home page

Feature

Support for multiple currencies

Feature

Debit/credit history in date order

Feature

Ability to save data backups

Feature

Ability to share lists with others

Feature

Ability to change notes in history

Feature

Ability to delete entries in history

Feature

Ability to share each debt/loan with someone

Feature

Ability to mark debt as paid

Feature

Ability to reorder payments via drag and drop

Feature

Option for recurring payments

Feature

iCloud sync for cross-device totals

Feature

Split an expense between all people

Feature

Ability to change currency symbol

Feature

Partial payment option to reduce total balance

Feature

Backdate entries

Feature

Edit debtor name

Feature

Add date to loan name

Feature

FAQ

What does the owed app do?

The owed app helps you easily track money that you lend to or borrow from friends, family, and others. It allows you to manage multiple debts for each person and keeps a history of all transactions.

What are the key features of owed?

Key features include the ability to track multiple entries for each person, use your contacts to add new people, set notifications, send email or SMS reminders, and view the history of your statements. It also allows you to update person's information.

Is owed free to use?

Yes, the app is completely free to use and does not require any sign-up. This means you can start tracking your debts immediately without any cost.

How do I add people to the app?

You can easily add people by using your phone's contacts. The app integrates with your contacts to make the process of adding individuals and their borrowing or lending information super easy.

Can I send reminders to people?

Yes, you can send email or SMS reminders directly from the app. This feature helps ensure that people remember what they owe you, making it easier to get paid back.