OweMate: IOU & Who Owes Me

OweMate: IOU & Who Owes Me

Lend, Borrow & AI Reminders

4 ratings
4 reviews
Free
In-App PurchasesWith Ads

Details

Released
March 24, 2026
Updated
October 14, 2026

Features

OweMate: IOU & Who Owes Me screenshot #1 for iPhone
OweMate: IOU & Who Owes Me screenshot #2 for iPhone
OweMate: IOU & Who Owes Me screenshot #3 for iPhone
OweMate: IOU & Who Owes Me screenshot #4 for iPhone
OweMate: IOU & Who Owes Me screenshot #5 for iPhone
OweMate: IOU & Who Owes Me screenshot #6 for iPhone
OweMate: IOU & Who Owes Me screenshot #7 for iPhone
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ipad
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About

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

✓Track IOUs and shared expenses
✓AI-powered payment reminders
✓Support for 70+ currencies
✓Home screen widgets
✓iCloud sync
✓PDF export
✓Custom payment reminders
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What's New in OweMate

2.0

October 14, 2026

OweMate 2.0 is a complete redesign. • Fresh new look, built for iOS 27 • Photo reminder cards: send a reminder as an image in one of six designs • Better AI reminders that read like you wrote them • Settle up in full or record a partial payment • Settled balances are marked, so your history stays clean • New Activity tab with every transaction in one place • Search people and transactions • PDF statements for just what's open, or the full history (Pro) • Redesigned widgets for your Home Screen and Lock Screen • Better layouts for iPad, plus larger text support Enjoying OweMate? A quick rating helps a lot.

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Subscriptions & In-App Purchases

$4.99

OweMate PRO

Remove all ads and unlock faster Ai message generation.

User reviews

Brilliant! Simple to use.

I tried a whole heap of different apps to keep track of loans made and they all lacked one way or another. This is so simple, just add a transaction, with a note on it and export a pdf to send to the person who owes you. Can't get much better than this; all for $7.99.

Response from developer

Thank you so much for the kind words! Keeping things simple was the whole idea behind OweMate, so it's great to hear it's exactly what you were looking for after trying so many other apps. I'd love to hear how we can make it even better. If there's anything you'd like to see added or improved, please share your feedback and suggestions anytime. Every idea helps shape future updates. Thanks again for your support!

Please very important. I want to fix my car. I pay you first time to time just for

Just tell us for my pay ID, thank you so much

Easy to use

Simple and straightforward to use. I can track everything without any complication

Response from developer

Thank you for the review! Simple and straightforward is exactly what OweMate is meant to be, so we're glad it's working well for you. If you have any feedback or ideas for features you'd like to see, we'd love to hear them. Your suggestions help shape future updates. Thanks again for your support!

PDF Report

PDF Report is not working in Dark mode, font colour for Dark mode needs to be fixed and Your Icon doesn’t match with the Overall UI. Updates modern Icon

Response from developer

Thank you for taking the time to point these out! Good news: all of these issues are fixed in version 2, which is now available to update. The PDF report works properly in Dark mode, the font colours have been corrected, and the app has a new modern icon that matches the overall design. Please update and give it a try. If you notice anything else or have suggestions for improvements, we'd love to hear from you. Thanks again for helping make OweMate better!

Developer apps

FAQ

Does OweMate have ads?

Yes, OweMate contains advertisements. A one-time tip is available to remove ads and make AI messages instant.

What is the pricing for OweMate?

OweMate is free to download and use with all features unlocked. There are no subscriptions or recurring fees. A one-time tip option is available to remove ads.

How does OweMate handle different currencies?

OweMate supports over 70 currencies, making it suitable for international transactions, travel, and managing money with friends or clients abroad.

Is OweMate secure for tracking financial information?

OweMate prioritizes privacy with on-device AI and data stored in your iCloud. No accounts or third-party tracking are used, ensuring your financial data remains private.

What devices does OweMate support?

OweMate is available for iPhone and iPad, with data syncing automatically across these devices via iCloud.

How often is OweMate updated?

The latest version of OweMate was released on June 19, 2026, indicating regular updates to improve functionality and reliability.

Can OweMate help with rent splitting?

Yes, OweMate is perfect for roommates tracking utilities and household costs, including rent, making shared expenses clear and easy to manage.

What is the age rating for OweMate?

OweMate has an age rating of 4+, making it suitable for a wide range of users managing personal finances.