Owe Pay vs Gravity

OwePay – Personal Loan Tracking Made Simple OwePay helps you record, track, and manage personal loans between people who already trust each other. Whether you lend money to a friend or borrow from someone you know, OwePay keeps everything organized in one place — from loan amounts and repayment schedules to confirmations and reminders. Key Features: Record loans given or received Send confirmation links to acknowledge received amounts ‎Read more

Know what's safe to spend — every single day. Gravity does the math you never do: your income, minus what you've spent, minus the bills that haven't hit yet — divided by the days left. One number, every morning. A progress bar shows today's burn. That's it. No spreadsheet, no guilt. CAPTURE IN SECONDS • Keypad-first quick add — amount, merchant, done • Merchant autocomplete that learns from you • Rules that auto-categorise ("swiggy" → Food, forever) • Import bank-statement CSVs — even messy ones with buried headers • Attach receipts to any expense • Log by voice with Siri, or straight from the widget EVERY RUPEE HAS A PLACE • Accounts — banks, credit cards (with limit meters), cash, wallets • Transfers between accounts that never pollute your spending • Net worth: what you own minus what you owe • Split any bill across categories — or mark a friend's share PEOPLE — the udhaar book your memory deserves "Rohit owes me ₹2,000." Track money lent and borrowed, settle up with one tap, see your net position. Split a dinner and the friend's share lands here automatically. BILLS & EMIs THAT MANAGE THEMSELVES • Auto-detects subscriptions and EMIs from your history • Add EMIs with an end date — "14 instalments left, ends Mar 2027" • Reminders before every due date, naming the account to keep funded • Price-hike alerts when a subscription quietly gets costlier • Flag-to-cancel and see exactly what you'd save UNDERSTAND YOUR MONEY • Monthly report: what moved vs last month, biggest expense, spending calendar • Category breakdowns, top merchants, trend charts • No-spend streaks on a heatmap — build the habit • A 5-pillar financial health score • Budgets that warn at 85%, goals with round-up auto-savings WIDGETS EVERYWHERE Home screen and lock screen — this week's spend, today's total, safe-per-day, and one-tap quick add. PRIVATE BY ARCHITECTURE No account. No cloud. No analytics. Your financial life lives in your phone's encrypted storage and nowhere else. Back up to a file you control; restore anywhere. Face ID lock built in. Trips & tags for travel budgets. Multi-currency with live rates. Light and pure-black dark themes. Made with obsession by BlackSpace AI. Your money, in orbit.