# U-Own — Smart Debt Tracker > Personal debt manager to track what you owe and what others owe you. (iPhone/iPad app by V-Projectz.) - Source: https://appshunter.io/ios/app/u-own/id6754340842 (this page in markdown: same URL + `.md`) - Developer: [V-Projectz](https://appshunter.io/developer/1847942543) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 59 MB - Languages: American English - Released: 2025-12-01 - Data updated: 2026-09-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/u-own/id6754340842/reviews.md ## What is U? U-Own – Smart Debt Tracker Take control of your finances with U-Own, a simple and intuitive debt management app. Track what you owe and what others owe you, and never lose sight of your personal loans again. Features: * Track Debts Easily – Add and manage personal debts and loans with a few taps. * Organize Your Finances – Categorize debts, add notes, and set due dates for better clarity. * Offline First – U-Own works without an internet connection, so you can manage your debts anytime, anywhere. * Optional Cloud Backup – Choose to log in to securely back up your data and sync across devices, or stay fully offline if you prefer. * Connect with Friends – When logged in, add debts involving friends and they receive notifications automatically, keeping everyone updated in real-time. * Stay On Top of Payments – Know who owes you and when, so you can plan accordingly. * Privacy-Focused – Your data stays private. No personal data is shared without consent. * Quick & Intuitive – Designed for simplicity and speed, so managing debts is effortless. Whether it’s borrowing from friends, lending to family, or tracking small personal loans, U-Own helps you stay organized and in control of your money. Download U-Own today and take the stress out of personal debt management! ## Key features - Track debts easily - Organize finances with categories - Offline functionality - Optional cloud backup - Friend notifications - Stay on top of payments ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Silver Monthly Subscription | $1.99 | per month | | Silver Yearly Subscription | $15.99 | per year | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/u-own/id6754340842/reviews.md ### 5/5 — Good app *2025-12-02* Very good ### 5/5 — Nice Idea *2025-12-01* The app needs more improvements, but overall, this is a great app. ## Frequently asked questions about U ### 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. ## Version history (last 5 releases) ### 1.0.14+33 — 2026-08-31 ### Bug Fixes - Fixed an issue where application could fail to load user data after signing in. - Fixed an issue where debts were not automatically synced when opening or returning to the app. - Fixed an issue where the people list did not update correctly after adding, updating, or removing debts. - Fixed an issue where unrelated debts were included in group summaries. - Other small bug fixes. ### 1.0.4+32 — 2026-07-11 ### Bug Fixes - Fixed an issue where some group debts could remain stuck loading due to missing participant data. - Some other minor bug fixes. ### 1.0.2+31 — 2026-07-06 ### Bug Fixes - Fixed an issue that could cause debt tiles to load indefinitely when group members failed to load. - Some other minor bug fixes. ### New Features - Added a Payments list, allowing you to view all payments at a glance. ### 0.9.97+30 — 2026-06-14 ### Bug Fixes - Fixed debt balance netting issue causing empty Owed chart data. - Fixed data loss when updating a group record. - Some other minor bug fixes. ### Improvements - Improved profile photo loading and caching for better performance and faster app experience. ### New Features - Added smoother Debt Trend Chart with quick range filters (1M, 3M, 6M, 1Y, All) and full debt history support. - Added separate Owned and Owed views for the main distribution chart (Pie chart). ### 0.9.91+29 — 2026-05-21 ### Bug Fixes - Fixed debt list items not updating properly when changes occur. - Fixed an issue causing app lag during syncing. - Fixed duplicate person entries in group debt distribution calculations. - Also some minor bug fixes. ### UI Improvements - Improved UI responsiveness and enhanced data loading performance. - Fixed title case formatting for international and accented characters. - Some other minor UI tweaks and improvements. ## Related topics [uown](https://appshunter.io/ios/topics/uown) --- *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 2026-09-01.*