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.
What's New:
- Expanded support for more currencies worldwide.
Improvements:
- The upgrade screen now automatically matches your chosen light or dark theme.
- Fixed an issue that could cause the app to close unexpectedly.
- Polished a few things to make your experience even better.