# OweMate - Who Owes Me Tracker — Track money lent & borrowed > App for tracking loans, IOUs, and shared expenses between individuals. (iPhone/iPad app by WHITE DIGIT LLC.) - Source: https://appshunter.io/ios/app/owemate-who-owes-me-tracker/id6760785109 (this page in markdown: same URL + `.md`) - Developer: [WHITE DIGIT LLC](https://appshunter.io/developer/1890324397) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 26.0 · 25 MB - Languages: American English - Released: 2026-03-24 - Data updated: 2026-09-06 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/owemate-who-owes-me-tracker/id6760785109/reviews.md ## What is OweMate? Who owes you money? OweMate remembers so you don't have to. It's a private, one-to-one ledger of everything you've lent and borrowed, per person, with a running balance that tells you exactly where you stand. When it's time to ask, on-device AI writes the "hey, could you pay me back?" message for you. WHO IT'S FOR • Friends and family who lend each other money • Roommates settling rent, groceries, and bills one to one • Freelancers tracking client payments across currencies • Anyone who finds it awkward to ask for their money back OweMate is a personal ledger, not a group bill splitter. Every person gets their own balance: money sent, money received, and "Settled" when you're even. TRACK EVERY IOU • Import people straight from Contacts • Log each amount as Sent or Received, with date, currency, and a note • Automatic running balance per person • Edit or delete any entry, any time • Notes per person for the details that don't fit a number ASK TO PAY — AI-WRITTEN REMINDERS Tap once and OweMate drafts a ready-to-send payment reminder using Apple Intelligence, entirely on your iPhone. Pick the tone: Friendly, Urgent, or Formal. Send it through Messages, WhatsApp, email, or copy it. On iPhones without Apple Intelligence, smart templates keep the feature working for everyone. BUILT FOR REAL LIFE • Any currency, and more than one currency per person: perfect for expats, travelers, and international clients • Dashboard with "They Owe You" and "You Owe Them" at a glance • Sort by balance, recent activity, or name; filter to see who's settled • Three Home Screen widgets: Balance Card, Owed to You, and You Owe • Sync across your iPhone and iPad through your own iCloud PRIVATE BY DESIGN No account. No sign-up. No servers. Your data lives in your iCloud, and the AI runs on your device. Nobody sees your money business but you. ONE-TIME PRO, NOT A SUBSCRIPTION OweMate is free with ads. OweMate PRO is a single one-time purchase: every ad removed, PDF statements to share with the other person, and instant AI reminders. Buy once, yours forever, including every future update. Requires iOS 26. AI generation requires an Apple Intelligence–capable iPhone (iPhone 15 Pro or newer); other devices use smart templates. Stop keeping IOUs in your head. Download OweMate and always know who owes you. ## Key features - Track IOUs and shared expenses - AI-powered payment reminders - Support for 70+ currencies - Home screen widgets - iCloud sync - PDF export - Custom payment reminders ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | OweMate PRO | $4.99 | one-time | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/owemate-who-owes-me-tracker/id6760785109/reviews.md ### 5/5 — Please very important. I want to fix my car. I pay you first time to time just for *2026-08-31* Just tell us for my pay ID, thank you so much ## Frequently asked questions about OweMate ### 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. ## Version history (last 5 releases) ### 1.7 — 2026-09-05 A cleaner, faster OweMate. • New app icon • Contact pages open with the balance right under the title, no gap • PDF statements now build in the background, so the app never freezes while exporting • Ad Privacy Options in Settings for users in the EEA and UK • Faster contact lists and Home cards on large ledgers • Fixes for notes that were only line breaks, and other small bugs ### 1.6 — 2026-07-09 This update brings a more polished OweMate: - Refreshed design with a cleaner, more modern look - Smoother, more reliable performance throughout the app - Various bug fixes and stability improvements Thanks for using OweMate! We're always working to make tracking who owes what simpler. Enjoying the app? A rating or review really helps. ### 1.5 — 2026-06-30 Performance improvement ### 1.4 — 2026-06-19 + NEW: NOTES Capture context on any contact. What the money was for, when they promised to pay back, or anything else you want to keep with the record. Always there when you need it. + UNDER THE HOOD Performance improvements and minor UI polish for a smoother feel. Thanks for tracking your IOUs with OweMate, keep the feedback coming. ### 1.3 — 2026-04-14 + NEW: NOTES Capture context on any contact. What the money was for, when they promised to pay back, or anything else you want to keep with the record. Always there when you need it. + UNDER THE HOOD Performance improvements and minor UI polish for a smoother feel. Thanks for tracking your IOUs with OweMate — keep the feedback coming. ## More apps by WHITE DIGIT LLC - [Expense AI - Budget & Receipts](https://appshunter.io/ios/app/expense-ai-budget-and-receipts/id6761580375) All apps by WHITE DIGIT LLC: https://appshunter.io/developer/1890324397 ## Related topics [owe](https://appshunter.io/ios/topics/owe) · [oweme](https://appshunter.io/ios/topics/oweme) --- *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 2026-09-06.*