# Owemint - You Owe Me — Money Owed & Debt Tracker

> Personal debt tracker for managing money owed between individuals. (iPhone/iPad app by Liam Andryl Atienza.)

- Source: https://appshunter.io/ios/app/owemint-you-owe-me/id6766531100 (this page in markdown: same URL + `.md`)
- Developer: [Liam Andryl Atienza](https://appshunter.io/developer/1896299957)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 70 MB
- Languages: Korean, Vietnamese, Arabic, American English, Indonesian, Japanese, Chinese (Simplified, China), Chinese (Traditional, Taiwan), Hindi
- Released: 2026-05-12
- Data updated: 2026-08-13
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/owemint-you-owe-me/id6766531100/reviews.md

## What is Owemint?

Owemint is a simple debt tracker and personal finance tool that helps you keep track of money owed between people without spreadsheets, group chats, or awkward follow-ups.

Whether a friend still owes you for dinner or you need to remember what you borrowed, Owemint gives you one clear place to see who owes what.

Think of it as your personal debt manager, IOU tracker, and payment tracker rolled into one.

HOW IT WORKS

Add a person, enter an amount, and choose the direction: They Owe You or You Owe Them. Each person gets their own running history, and you can log partial payments until a balance is fully settled. The same person owes you in both directions? Owemint keeps them separate so nothing gets mixed up.

WHAT YOU CAN DO

- Track money owed to you and money you owe — a loan tracker with two ledgers in one app
- Record partial payments and see remaining balances at a glance
- Set due dates and get gentle reminders before, on, and after the due date
- Attach receipt photos or proof of payment to any entry (Pro)
- Lock the app behind Face ID, Touch ID, or a PIN
- Back up and restore your data manually; no cloud required
- Export your records to CSV for spreadsheets or reports (Pro)
- View stats: net balance, what's owed to you, what's overdue
- Search by person or reason to find any entry fast

FREE VS PRO

Owemint is free to use with a generous cap on active people. You get unlimited basic reminders, full backup and restore, and app lock, forever.

Upgrade to Owemint Pro for a one-time purchase. No subscription, no recurring charges. Pay once, keep Pro forever.

Pro unlocks:
- Unlimited active people
- Photo attachments on any entry
- Recurring overdue reminders (every 3, 7, or 14 days)
- CSV export

PERSONAL BY DESIGN

Your debt records stay on your device. Owemint does not store your records on servers and does not require an account. The app collects anonymized crash reports and performance diagnostics to help us improve stability and fix bugs, but it does not collect user tracking or advertising data. You can opt out of crash reporting. What you track is yours alone.

QUESTIONS OR FEEDBACK?

Reach us at the support email in Settings. We read every message.

## Key features

- Track money owed to and by you
- Record partial payments
- Set and receive due date reminders
- Attach receipt photos (Pro)
- App lock with Face ID/Touch ID/PIN
- Manual backup and restore
- Export records to CSV (Pro)

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Owemint Pro (Lifetime) | $0.49 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/owemint-you-owe-me/id6766531100/reviews.md

### 5/5 — I really needed this!

*2026-05-25*

I’ve searched for years for an app like this. In the end , I resorted to writing debts or monies owed down on paper or in the notes app. I’m not very organized, so you can imagine how well that went. This is perfect for tracking both debts and funds owed. It’s simple, yet has all of the features I needed. This will definitely be one of those apps that’s always on any phone I own. Highly recommended!

**Developer response:** Thank you for the kind review. I’m glad the app has been helpful and that it makes tracking debts and funds owed easier for you.

### 5/5 — Functionally Great & Simple With Minor Requests

*2026-05-23*

I love the design of this application! It's very smooth and adding debts, whether or be borrowed or loaned money, is fairly easy. Definitely worth the Pro purchase!

A few things I would love to see:
- The ability to sort debts on both the list of people and under individual names by total, such as greatest to least.
- When adding a debt under a name on the Debts tab, it automatically switches you back to the Home tab afterwards. It would great if it just stayed on whatever tab you were on instead, especially when you are first setting up the app and might have multiple under an individual.

Overall, in its current state and given the age of the app, 5/5 stars!

**Developer response:** Thank you so much for the thoughtful review. I really appreciate your kind words about the design and smooth experience, and I’ve noted your suggestions for future improvements.

## Frequently asked questions about Owemint

### How does Owemint track money owed?

Owemint allows you to add a person, enter an amount, and specify if they owe you or you owe them. Each person has a separate history, and you can log partial payments until a balance is settled.

### What are the differences between the free and Pro versions of Owemint?

The free version offers unlimited basic reminders, full backup and restore, and app lock. Owemint Pro, a one-time purchase, unlocks unlimited active people, photo attachments, recurring overdue reminders, and CSV export.

### Is Owemint secure and private?

Yes, Owemint is designed for privacy. Your debt records stay on your device, and the app does not store your records on servers or require an account. You can also lock the app with Face ID, Touch ID, or a PIN.

### Can I get reminders for overdue payments in Owemint?

Owemint provides gentle reminders before, on, and after due dates. The Pro version offers recurring overdue reminders at intervals of 3, 7, or 14 days.

### How often is Owemint updated?

The app was last updated on June 24, 2026, indicating active development and support. Updates typically focus on improving stability and fixing bugs.

### What devices does Owemint support?

Owemint is available for iPhone and iPod devices, making it accessible to a wide range of Apple users.

### Can I export my data from Owemint?

Yes, you can export your records to CSV format for spreadsheets or reports, which is a feature unlocked in the Pro version of Owemint.

### What is the user sentiment for Owemint?

Owemint has received a perfect 5.0-star rating from 4 ratings, suggesting a very positive user experience and satisfaction with its functionality.

## Version history (last 5 releases)

### 1.5.0 — 2026-08-11

What's New:
- Redesigned the Add Balance screen with a cleaner layout.
- You can now pick a currency for each balance, with exchange rates that update automatically (Internet required for updates).
- Balances in different currencies now add up accurately using the latest rates.
- You can now remove photos attached to an entry.
- Added Follow on X and Join our Discord links in Settings.

Improvements:
- Fixed a bug where people could disappear from your list.
- Fixed a Japanese translation and a layout issue with the net balance on a person's detail screen.
- Bug fixes and improvements to keep things running smoothly.

### 1.4.2 — 2026-07-23

Bug fixes and improvements to keep things running smoothly.

### 1.4.1 — 2026-06-24

What's New:
- Added support for the Arabic language, including Right-to-Left layout support for all screens.

Improvements:
- Made the "Owed to You" and "You Owe" summary cards on the Home screen clickable to jump directly to your filtered lists.
- Fixed an issue where scheduled reminders were not canceled when a debt was deleted.
- Bug fixes and improvements to keep things running smoothly.

### 1.4.0 — 2026-06-14

What's New:
- Added support for English, Hindi, Indonesian, Japanese, Korean, Simplified Chinese, Traditional Chinese, and Vietnamese languages. Send us your feedback in Settings!
- Added a language selection setting to manually choose your preferred language or let it automatically match your system settings.

Improvements:
- Bug fixes and improvements to keep things running smoothly.
- Improved dark mode styles throughout the setup screens, paywall screen, and edit buttons.
- Improved the navigation bar on older iOS versions.

### 1.3.2 — 2026-06-06

What's New:
- Expanded support for more currencies worldwide.

Improvements:
- The upgrade screen now automatically matches your chosen light or dark theme.
- Fixed an issue that could cause the app to close unexpectedly.
- Polished a few things to make your experience even better.

## Related topics

[what do i owe you?](https://appshunter.io/ios/topics/what-do-i-owe-you) · [you owe you](https://appshunter.io/ios/topics/you-owe-you) · [owe you app](https://appshunter.io/ios/topics/owe-you-app)

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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 2026-08-13.*