MAJOR UPDATE
Dark Mode & More Currencies
Your favorite offline IOU debt tracker now supports more currencies! Plus, track everything in a gorgeous new dark mode.
Supported Features
-
Dark Interface
Owemint - Who Owes You
Personal Debt & IOU Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone
iPhone
See who owes you, what you owe, and what’s overdue. Track IOUs, log payments, and get gentle reminders—all in one personal debt tracker.
Owemint is a simple debt tracker and personal finance tool that helps you keep track of money owed between people without spreadsheets, group chats, or awkward follow-ups.
Whether a friend still owes you for dinner or you need to remember what you borrowed, Owemint gives you one clear place to see who owes what.
Think of it as your personal debt manager, IOU tracker, and payment tracker rolled into one.
HOW IT WORKS
Add a person, enter an amount, and choose the direction: They Owe You or You Owe Them. Each person gets their own running history, and you can log partial payments until a balance is fully settled. The same person owes you in both directions? Owemint keeps them separate so nothing gets mixed up.
WHAT YOU CAN DO
- Track money owed to you and money you owe — a loan tracker with two ledgers in one app
- Record partial payments and see remaining balances at a glance
- Set due dates and get gentle reminders before, on, and after the due date
- Attach receipt photos or proof of payment to any entry (Pro)
- Hide balances with one tap when someone glances at your screen
- Lock the app behind Face ID, Touch ID, or a PIN
- Back up and restore your data manually; no cloud required
- Export your records to CSV for spreadsheets or reports (Pro)
- View stats: net balance, what's owed to you, what's overdue
- Search by person or reason to find any entry fast
FREE VS PRO
Owemint is free to use with a generous cap on active people. You get unlimited basic reminders, full backup and restore, app lock, and balance hiding, forever.
Upgrade to Owemint Pro for a one-time purchase. No subscription, no recurring charges. Pay once, keep Pro forever.
Pro unlocks:
- Unlimited active people
- Photo attachments on any entry
- Recurring overdue reminders (every 3, 7, or 14 days)
- CSV export
PERSONAL BY DESIGN
Your debt records stay on your device. Owemint does not store your records on servers and does not require an account. The app collects anonymized crash reports and performance diagnostics to help us improve stability and fix bugs, but it does not collect user tracking or advertising data. You can opt out of crash reporting. What you track is yours alone.
QUESTIONS OR FEEDBACK?
Reach us at the support email in Settings. We read every message.
Events
Bug fixes and improvements to keep things running smoothly.
The developer, Liam Andryl Atienza, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Identifiers
- Usage Data
- Diagnostics
The developer indicated that this app supports the following accessibility features. Learn More
Information
- Seller
- Liam Andryl Atienza
- Size
- 64.9 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Owemint Pro (Lifetime) $0.00
- Copyright
- © Liam Andryl Atienza