# owed — money mangement made easy! > App to track money lent and borrowed between individuals. (iPhone/iPad app by Josh Gdovin.) - Source: https://appshunter.io/ios/app/owed/id875672885 (this page in markdown: same URL + `.md`) - Developer: [Josh Gdovin](https://appshunter.io/developer/875672888) - Category: Finance, Productivity - Price: Free - Rating: 4.60/5 from 52 App Store ratings · 45 written reviews indexed - Age rating: 4+ - Requires: iOS 12.4 · 2 MB - Languages: American English - Released: 2014-06-29 - Data updated: 2026-08-18 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/owed/id875672885/reviews.md ## What is owed? Version 2 is here! What is new in this version? In a nutshell, everything! Do you borrow money? Do you lend money to your friends? Maybe your family is on your mobile family plan ( you know that mobile plan that no one actually knows what they owe the plan owner each month). If one or all of these fits you, then you're going to love owed! Here is just a sample of some key features: • FREE to use and no sign-up requirement. Seriously who doesn't like free? This also means you should limit your list of demands on what the app needs to do. Remember, it's FREE. • Keep track of multiple entries for each person. If you're like me, you have that one friend (Carl) that is constantly borrowing something. Now you can keep tabs on Carl and what he owes you. • Use your contacts to create new people. Now it's super easy to add Carl's information to the owed app. (Thanks Apple Contacts) • Set Notifications. I promise this time they work! • Send email or SMS reminders. Email not your thing? No worries. Send that person a text message directly from the owed app! • 3D touch enabled Maybe you have it, maybe you don't. But if you do, good for you, as owed is now using 3D touch! • Update person's information. You know, like if Carl tries to change his legal name to Chuck. Well bad news, Chuck. Owed makes it really easy to update a contact's name. • View the history of your statements. If Chuck tries to argue that he didn't borrow more money on top of what he already owes you for lunch, now you can show him the exact day he borrowed money for that Happy Meal. If you like what you see, please rate the app! Thanks for checking out the app, we hope you enjoy it as much as we do! ## Key features - Track multiple debts per person - Use contacts to add people - Set notifications - Send email/SMS reminders - Update contact information - View transaction history ## Recent user reviews (10 of 45) All indexed reviews: https://appshunter.io/ios/app/owed/id875672885/reviews.md ### 4/5 — Great App! Maybe a couple improvements🤞 *2025-03-02, version 2.9.3* 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 ### 5/5 — Awesome Debt Traker *2024-11-21, version 2.9.1* 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. ### 4/5 — My only complaint *2024-11-20, version 2.9.1* 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 ### 5/5 — So good! *2024-06-01, version 2.9.1* 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 ### 4/5 — Multiple Currencies support *2023-01-02, version 2.9.1* 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 ### 3/5 — Extremely limited *2022-10-28, version 2.9.1* The only thing for me that I like about this app is that it is non-subscription.. I’m giving it a neutral 3 rather than a 1 because it might fulfill some needs out there, but it is really basic, it doesn’t do anything more for me than my calculator app and notepad. I expected it to be a great way to enter an amount I loaned a friend and then offer an easy way to decline his balance, for example if the loan was $5000 and he paid me at his convenience on his payday (not structured to a specific recurring date) I would just enter that amount, say $259.30 and the app would show the date he paid me, the amount, and what’s left that he still owes me … $4740.70. Ideally I could text or email him a receipt showing his remaining balance. That would be a great app, this isn’t it. ### 4/5 — Decent *2022-04-11, version 2.9.1* Decent app, does as it should. I wish there was accounts to save backups of data in case a phone breaks, and ability to share list with my girlfriend for example so we can both see it as it’s updated. Thanks! ### 4/5 — Nice! *2022-03-05, version 2.9.1* I would give this nice app 5 stars if it had a couple more features. 1. The ability to change a note in history. 2. The ability to delete entries in history. Other than that, great and it’s free! ### 4/5 — Too Easy!! *2021-10-17, version 2.9.1* Great app! Simple to use. Only wish would be for it to enable me to share each debt/ loan with someone. ### 2/5 — Free but insufficient *2021-10-09, version 2.9.1* I’m sure people use this in different ways so maybe works for some. What is a major déficiency for me is that RANKS owes / owed only by amount; history is essential and should be easily codable because of you go into individual transactions the date is there … ## Frequently asked questions about owed ### 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. ## Version history (last 5 releases) ### 2.9.7 — 2025-12-04 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! ### 2.9.6 — 2025-07-01 Bux fixes ### 2.9.5 — 2025-06-30 We discovered an issue in the latest release that affected some users. We've reverted to the previous version while we work on a fix. Thanks for your patience! ### 2.9.4 — 2025-06-26 UI Color Fixes. ### 2.9.3 — 2024-11-24 Some simple updates to the code base for the app. ## Apps similar to owed | App | Rating | Price | Category | | --- | --- | --- | --- | | [CanainfoConnect](https://appshunter.io/ios/app/canainfoconnect/id6443814500) | — | Free | Finance | | [Who Owes Me - LentPal](https://appshunter.io/ios/app/who-owes-me-lentpal/id6443519628) | 3.7 (6) | Free | Finance | | [Consult Insure](https://appshunter.io/ios/app/consult-insure/id1579284480) | — | Free | Finance | | [My Crypto List](https://appshunter.io/ios/app/my-crypto-list/id1580110580) | 5.0 (2) | Free | Finance | | [Pague Menos SuperMarket](https://appshunter.io/ios/app/pague-menos-supermarket/id1579949040) | — | Free | Finance | | [Kopter-Profi Versicherung](https://appshunter.io/ios/app/kopter-profi-versicherung/id1588241860) | — | Free | Finance | ## More apps by Josh Gdovin - [owed +](https://appshunter.io/ios/app/owed-plus/id6752716669) All apps by Josh Gdovin: https://appshunter.io/developer/875672888 ## Related topics [i owe you](https://appshunter.io/ios/topics/i-owe-you) --- *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.*