U-Own
Smart Debt Tracker
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
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!
more The app needs more improvements, but overall, this is a great app.
The app needs more improvements, but overall, this is a great app.
### Bug Fixes
- Fixed an issue where some group debts could remain stuck loading due to missing participant data.
- Some other minor bug fixes.
1.0.4+32 Jul 11
### 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.
1.0.2+31 Jul 6
### 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).
0.9.97+30 Jun 14
### 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.
0.9.91+29 May 21
### Bug Fixes
- Fixed wrong calculation for remaining balance if debt doesn't have any payments.
- Some other minor bug fixes.
### UI Improvements
- Some minor UI tweaks and improvements.
### General Improvements
- Improve online sync reliability by restoring missing data and removing outdated local records.
- Some more improvements on app performance and reliability.
0.9.85+28 May 11
### Bug Fixes
- Fixed app crash when user open modal rapidly.
- CRITICAL: Resolved an issue where split payments could be automatically created under the wrong debt direction (owed vs. owned).
- Fixed cannot update user profile name.
- Also some minor bug fixes.
### UI Improvements
- Fixed an issue where debts already settled for a specific person still appeared in the split payment review modal.
- Some other minor UI tweaks and improvements.
### General Improvements
- Improved debt data loading responsiveness from previous versions for a faster, smoother experience.
- Added automatic cleanup for old temporary files and cache to reduce storage usage and improve app performance over time.
0.9.71+27 May 3
### Bug Fixes
- CRITICAL: Fixed app crash on start for previous version.
0.9.66+26 May 2
### Bug Fixes
- Some overall bug fixes.
- Fixed wrong calculation on individual debt balances.
- Fixed cannot load images/ avatars generally.
### UI Improvements
- Fixed modal sheet pushed up too high when keyboard appears.
- Tap an active bottom nav page again to scroll to the top now work properly.
- Some other minor UI tweaks and improvements.
### New Features
- Added support for split debt payments, allowing a single payment to be divided across multiple participants or debts for more flexible tracking and settlement.
0.9.65+25 May 1
### General Improvements
- Removed background activity to improve app performance and reliability
- Enhanced user privacy and data handling
0.9.36+24 Apr 7
### Bug Fixes
- Fixed bug when adding debt for existing group would failed.
- Fixed some formatter for text inputs make cursor jump to the end.
- Fixed main line chart calculation again.
- Some other minor bug fixes.
### UI Improvements
- Some other minor UI tweaks and improvements.
0.9.35+23 Feb 8
### Bug Fixes
- Fixed wrong calculation for the main line chart again.
- Fixed wrong display for the main pie chart.
- Fixed a bug where related people were sometimes missing from the list.
- Some minor bug fixes.
0.9.27+22 Jan 14
### Bug Fixes
- Fixed wrong calculation on overall net balance on some old data.
- Fixed wrong numbers and visual issues in the main line chart.
- Some minor bug fixes.
### UI Improvements
- Some other minor UI tweaks and improvements.
### New Features
- Added feedback submission. Users can now submit feedbacks to developers directly within the app.
0.9.24+21 Jan 9
### Bug Fixes
- Fixed an issue where user profiles related to debts were missing from the person list.
- Fixed an issue where user profiles could not be updated.
- Fixed wrong calculation for a remaining debt balance of a person related to user.
- Fixed wrong calculation for overall net balance.
- Some other small bug fixes.
### UI Improvements
- Added more details for pie charts to see total and remaining balances.
- The main bar and line charts now display both total and remaining balances.
- Fixed UI display logic for group cards and group screens.
- Some other minor UI tweaks and improvements.
0.9.15+20 Jan 2
### Bug Fixes
- Fixed bug where user data sometimes would not update properly.
- Fixed incorrect net balance calculation on the Overall page.
### UI Improvements
- Fixed incorrect text color in the payment timeline.
- Payment timeline now more reactive when data changes.
- Improved UI reactive for People page.
- Improved user profile page UI.
### New Features
- Added push notifications. You can now receive notifications and stay up to date on your debts.
0.9.1+19 12/24/2025
### Bug Fixes
- Fixed wrong balance calculation for individuals after group debt payments were made.
- Fixed an app crash when contact permission was denied during debt creation.
- Fixed an issue where adding a debt could sometimes fail.
- Some other small bug fixes.
### UI Improvements
- UI now stays in sync better and updates instantly when your data changes.
- Improve UI reactivity on the Overview page.
- Fixed incorrect pie chart tooltip display on the Overview page.
- Some UI improvements for Debts page.
- Some other minor UI improvements.
### New Features
- Protect online user by adding ability to block other users by account, email, or phone to prevent interaction. (Not fully implemented yet!!)
0.8.38+18 12/18/2025
### Bug Fixes
- Fixed an online-mode issue where the app triggered updates for all debts, even those not belonging to the user.
- Fixed “time ago” display showing wrong values for UTC timestamps.
- Fixed incorrect remaining balance calculation per person in a debt.
- Fixed incorrect calculations for net, owned, and owed amounts on the Overall page.
### UI Improvements
- Make Debt page UI more reactive when data changed.
- Overview page now should re-calculate and update UI when debt payments changed.
- Some more minor UI tweaks and improvements.
0.8.25+17 12/11/2025
### Bug Fixes
- Fixed pie chart so largest amounts (positive or negative) always show first.
- Fixed issue where submitting a payment or settle-up payment was always failing.
- Fixed missing people and group data when pulling for logged in user.
### UI Improvements
- Updated debt list tile to display more useful information.
- Fixed the pull-to-refresh animation flickering on the Overview page.
- Some more minor UI tweaks and improvements.
0.8.21+16 12/08/2025
### Bug Fixes
- Fixed app crash when fetching user fails due to when user already logged in but no internet connection (App should supports offline mode).
- Set remaining balance to zero when debt is marked as settled.
- Fixed getting latest debts logic.
### UI Improvements
- The form is now disabled and non-interactive while a new group is being submitted.
- Minor UI improvements to the submit button on the adding people page.
- Improved content display for the group page.
- Fixed People page so scrolling now shrinks the header correctly.
- Some other miner UI tweaks and improvements.
### New Features
- Added pull-to-refresh for Overview page. Now you can get latest data every time.
0.8.15+15 12/04/2025
### Bug Fixes
- Fixed wrong timestamp when creating record.
- Fixed issue where the debt window doesn't close after deleting multiple debts.
- Fixed an issue where the person screen did not update when debts changed.
### UI Improvements
- Some minor UI tweaks for ad cards.
0.8.8+14 12/02/2025
### Bug Fixes
- Fixed an issue where some group debts could remain stuck loading due to missing participant data.
- Some other minor bug fixes.
more Version 1.0.4+32 Jul 11
Data Linked to You The following data may be collected and linked to your identity:
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