Good app
Very good
Nice Idea
The app needs more improvements, but overall, this is a great app.
Free
In-App Purchases
About
Manage personal debts and loans with this intuitive application. Track what you owe and what others owe you, organize finances with categories and due dates, and stay on top of payments. It offers offline functionality with optional cloud backup and real-time friend notifications.
✓Track debts easily
✓Organize finances with categories
✓Offline functionality
✓Optional cloud backup
✓Friend notifications
✓Stay on top of payments
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What's New in U
1.0.4+32
July 11, 2026
### Bug Fixes - Fixed an issue where some group debts could remain stuck loading due to missing participant data. - Some other minor bug fixes.
MoreSubscription plans
Silver Monthly Subscription
Access to premium features
$1.991 Month
User reviews
FAQ
What is U-Own?
U-Own is a personal debt manager designed to help you track what you owe and what others owe you. It allows you to organize your finances, set due dates, and stay informed about your personal loans.
Is U-Own free to use?
The base version of U-Own is free to download and use. It also offers optional subscription plans for enhanced features.
What are the subscription options for U-Own?
U-Own offers a Silver Monthly Subscription for $1.99 and a Silver Yearly Subscription for $15.99, providing access to premium features.
Does U-Own require an internet connection?
No, U-Own is designed with an 'Offline First' approach, meaning you can manage your debts without an internet connection. An optional cloud backup feature is available if you choose to log in.
How does U-Own handle privacy?
U-Own is privacy-focused, ensuring your data remains private. No personal data is shared without your explicit consent.
Can I connect with friends on U-Own?
Yes, when logged in, you can add debts involving friends, and they will receive automatic notifications. This keeps everyone involved updated in real-time about loan statuses.
What devices is U-Own available on?
U-Own is available on iPhone, iPad, and iPod, making it accessible across various Apple devices.
How often is U-Own updated?
The latest version of U-Own is 0.9.35+23, and it was last updated on February 8, 2026. This indicates regular updates to improve functionality and reliability.