Meet the new Money Owed: a local-first IOU ledger with sharing, offline access and balance charts.
Stop guessing who owes what.
Money Owed is a local-first ledger for IOUs, shared expenses, loans, roommates, trips, and everyday balances. Record transactions, see a clear running balance, and share an account when everyone needs the same source of truth.
TRACK EVERY BALANCE
- Create unlimited accounts for friends, family, roommates, trips, loans, or projects.
- Record manual and split transactions with descriptions, dates, notes, and calculations.
- See whether money is owed to you, owed by you, or settled.
- Use a separate currency for each account. Money Owed never converts or combines different currencies.
- Work offline. Changes save locally and sync when network is available.
SHARE WITH THE RIGHT PEOPLE
- Share an account with Read & Write or Read Only access.
- Keep a private alias for how a shared account is named on your device.
- Invite people using Apple's built-in sharing controls.
- Keep both sides up to date with the same shared transactions and balance.
SEE THE BIG PICTURE
- Follow balances over time with native charts.
- Add account balance and accounts list widgets.
- View cached balances and quickly add a transaction on Apple Watch.
- Add a photo to an account so it is easy to recognize at a glance.
MONEY OWED PRO
Money Owed Pro adds these tools with a one-time purchase:
- Attach receipt images and PDFs to transactions.
- Post recurring transactions on daily, weekly, monthly, or yearly schedules.
- Apply automatic interest on a schedule you choose.
- Import transactions from CSV files.
- Export CSV data and PDF statements.
- Receive alerts for new manual transactions added by the other side of a shared account.
As a previous user stated. This app is not user friendly. After creating an account, I attempted to add a balance and no matter how I input the amount, I continue to get an error message. I don’t have time for this. So I deleted the app immediately.
Developer Response
We've recently rewritten the app from scratch - it should now be much easier to use and much more stable. Please give it a try!
Too many errors
Dani-sol
Great idea but it showed many error messages, it took 3 attempts to create a login and 6 to add an account, in which point I just gave up.
Developer Response
We've recently rewritten the app from scratch - it should now be much easier to use and much more stable. Please give it a try!
Doesn’t work
CEVAZICH
Nothing works in this app.
Developer Response
We've recently rewritten the app from scratch - it should now be much easier to use and much more stable. Please give it a try!
Hard to be worse
Shermanl
If you make an incorrect entry there is no way to delete it other deleting entire account. Entries are oddly called Movements. It reminds me of a another I kind of movement frankly! Avoid.
Developer Response
We've recently rewritten the app from scratch - it should now be much easier to use and much more stable. Please give it a try!
Meet the new Money Owed, rebuilt for iPhone, iPad, and Mac with local-first storage, iCloud sharing, offline access, balance history, widgets, Apple Watch quick add, and one-time Pro tools.
Version 5.0.5
The developer, Eduardo Almeida, 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 Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
