Owe vs Debt Manager

Missed a payment again? Not sure where the month is heading? Owe keeps every bill, loan and IOU in one place, reminds you before anything is due, and shows your balance for the whole month at a glance. No bank logins, no sign-up, no spreadsheets. NEVER MISS A PAYMENT • A reminder on the day a payment is due • Overdue, upcoming and paid, clearly split so nothing slips • Mark anything paid with a single tap SEE YOUR MONTH COMING • What you owe and what you're owed, front and centre • Week and month views with a balance graph, so there are no end-of-month surprises • A Home Screen widget with your next payment and your totals ANY KIND OF PAYMENT • One-offs: dinner, tickets, borrowed cash • Recurring: rent, bills and subscriptions, weekly or monthly, even every second Friday • Part payments: record what's been paid back and see what's left OWE PRO — ONE-TIME PURCHASE, NO SUBSCRIPTION • Multiple accounts: keep Personal, Business and Joint separate and switch in a tap • Transfers: move money between your accounts and both sides stay in step • Reminder options: get reminded days before, at a time that suits you • Face ID lock: keep your balances private • Export to CSV: open every payment in Numbers or Excel • No ads Already bought Remove Ads? It includes Owe Pro. Just tap Restore Purchase. PRIVATE BY DESIGN Your payments stay on your device. No account, no bank connection, and Owe never sees your financial information. Choose your currency (£, $, €, ¥, ₹, ₽) and date format. Download Owe and stay on top of what you owe, and what's owed to you.

Get paid back faster. Debt Manager turns “I’ll pay you later” into money back in your pocket. Track every IOU, loan and unpaid invoice in one place — then let AI handle the awkward part for you. WHAT YOU CAN DO • Keep two ledgers side by side — what you’re owed, and what you owe • Snap a receipt, paste a bank alert, or say it out loud, and AI fills in the entry • Log part-payments and instalment plans; balances update themselves as money comes in • Let AI draft the reminder — casual, professional, or firm — then send it by WhatsApp, SMS, or anywhere else • Check how someone has paid you in the past, before you lend again • Split a bill across any number of people; everyone gets their own record and balance • Keep business and personal in separate books, each with its own balances, charts and currency • Send branded invoices, receipts and customer statements as proper PDFs • Stay ahead with a due calendar, overdue aging, and reminders that escalate as the date approaches • Attach photos, PDFs and documents to any record • 119 currencies, detected automatically from your region • Lock the app behind Face ID or Touch ID FREE, WITH NO LIMITS Unlimited debts, debtors and people. Search, filters, categories, attachments, due-date reminders, bill splitting, contact import, multi-currency and biometric lock — all free, no trial required. Plus three AI Smart Captures to try. DEBT MANAGER PRO Upgrade when you want the tools that actually get money moving: • Unlimited AI Smart Capture — receipts, bank alerts and voice • AI-drafted reminders in three tones • Partial payments, instalment plans and recurring schedules • Escalating auto-reminders before and after the due date • Separate business and personal books • Branded invoices, receipts and statements • Payment-history scoring, so you know who pays late • Insights: collection trends, overdue aging, top accounts, recovery projections • Due calendar and monthly collection goals • Custom tags and filtering • CSV export of debts, debtors and payment history • Priority support — your feedback and feature requests jump the queue • No ads WHO IT’S FOR Anyone who lends money to friends and family and would rather not have the awkward conversation. Freelancers and small businesses chasing unpaid invoices. Anyone who splits bills and is tired of doing the maths. SUBSCRIPTION TERMS Debt Manager Pro is available as a monthly or annual auto-renewing subscription. US pricing is $1.99/month or $14.99/year, with a 7-day free trial on the annual plan; prices in other regions are shown in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours of the end of that period. You can manage or cancel your subscription in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you buy a subscription. Privacy Policy: https://www.freeprivacypolicy.com/live/0d859161-9022-4545-a032-ef16777ad7a0 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/