# Owely - IOU & Loan Ledger — Who owes whom, at a glance

> Who owes whom, at a glance (iPhone/iPad app by TZU HSUN LIN.)

- Source: https://appshunter.io/ios/app/owely-iou-and-loan-ledger/id6788934177 (this page in markdown: same URL + `.md`)
- Developer: [TZU HSUN LIN](https://appshunter.io/developer/6787814422)
- Category: Finance, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 26.5 · 2 MB
- Languages: American English, Japanese, Korean, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2026-07-14
- Data updated: 2026-07-25
- User reviews in markdown: https://appshunter.io/ios/app/owely-iou-and-loan-ledger/id6788934177/reviews.md

## What is Owely?

Money between friends and family is the easiest to lose track of. Who covered dinner last time? Does that extra repayment count? Owely is built for exactly this: personal lending and borrowing between people who trust each other.

THREE LEDGERS, CLEAR SEMANTICS
• You owe them — from things they paid for you
• They owe you — from money you lent
• Balance — overpaid money is a deposit, not a debt. This is what sets Owely apart.

FOUR TRANSACTION TYPES
Cover, repay, lend, collect. Optional offsetting cancels debts in both directions automatically, and repayments can include a thank-you bonus.

MORE THAN A LEDGER
• Events: group a trip's or dinner's transactions and see the total
• Plans: due-date reminders that sync to your iPhone calendar
• Statements: export a monthly PDF both sides can verify
• Stats: net trend, per-contact share, balance overview

YOUR LEDGER STAYS YOURS
Everything is stored on your device. No server, no account, no ads, no data collection. Face ID app lock available with Pro.

PRO — ONE-TIME PURCHASE
Unlimited contacts, Face ID lock, interest on loans, recurring plans, shareable statements, receipt scanning. Buy once, keep forever. No subscription.

Available in English, Traditional & Simplified Chinese, Japanese, and Korean, with 11 currencies.


## Version history (last 1 release)

### 1.0 — 2026-07-15

No release notes.

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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 2026-07-25.*