OweMate: IOU & Who Owes Me

Lend, Borrow & AI Reminders

Free · In‑App Purchases

Never chase a friend for money again. OweMate shows who owes you at a glance, and on-device AI writes a polite reminder when it's time to ask. No account needed. Lent a friend money? OweMate keeps track of who owes you, and who you owe, so you never have to remember or feel awkward asking. Log it in seconds. See every balance at a glance. When it's time to ask, OweMate writes a polite reminder for you. KNOW WHO OWES YOU • One clear balance per person: who owes you, and who you owe • Log money you gave or received with a note and a date • Track loans in any currency, side by side • Settle up in full or record a partial payment • Settled balances are marked, so the history stays clean LET AI ASK FOR YOU • Pick a tone: Friendly, Urgent or Formal • OweMate writes the message on your iPhone with Apple Intelligence (on supported iPhones; others get a ready-made message) • Edit it, then send it with any messaging app • Or send a photo reminder card in one of six designs MORE THAN A LIST • Widgets for your Home Screen and Lock Screen • PDF statements to share a clean record of what's open (Pro) • Private notes for each person, which never appear in reminders • Search every person and transaction • Syncs across your iPhone and iPad with iCloud • Light and dark mode NO ACCOUNT NEEDED No sign-up, no phone number. Your ledger stays on your devices and in your own iCloud, and reminders are written on your iPhone. OWEMATE PRO One purchase, no subscription: • No ads, anywhere • PDF statements • Instant reminders, with no wait For personal money between friends, family and roommates. OweMate doesn't lend money or offer loans. Questions or ideas? We read every review.

Ratings & Reviews

  • 5.0
    out of 5
    4 Ratings

OweMate 2.0 is a complete redesign. • Fresh new look, built for iOS 27 • Photo reminder cards: send a reminder as an image in one of six designs • Better AI reminders that read like you wrote them • Settle up in full or record a partial payment • Settled balances are marked, so your history stays clean • New Activity tab with every transaction in one place • Search people and transactions • PDF statements for just what's open, or the full history (Pro) • Redesigned widgets for your Home Screen and Lock Screen • Better layouts for iPad, plus larger text support Enjoying OweMate? A quick rating helps a lot.

Version 2.0

The developer, WHITE DIGIT LLC, 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 Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Purchases
    • Identifiers
    • Usage Data

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Identifiers
    • Usage Data

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

Information

Seller
WHITE DIGIT L.L.C-FZ
Size
23.1 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
  • iPhone
    Requires iOS 26.0 or later.
  • iPad
    Requires iPadOS 26.0 or later.
  • Apple Vision
    Requires visionOS 26.0 or later.
Languages
English
Age Rating
4+
In-App Purchases
Yes
Copyright
© 2026 WHITE DIGIT LLC
  • Developer Website
  • Privacy Policy

    • More by WHITE DIGIT LLC

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