Owemint - You Owe Me

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)
- Lock the app behind Face ID, Touch ID, or a PIN
- Back up and sync automatically with Apple iCloud (Pro)
- Export and restore local backups anytime, completely offline
- 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 cap on people. You get unlimited basic reminders, full backup and restore, app lock, forever.

Upgrade to Owemint Pro for a one-time purchase. No subscription, no recurring charges. Pay once, keep Pro forever.

Pro unlocks:
- Unlimited people
- Automatic iCloud Sync
- 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 and in your personal Apple iCloud (with Owemint Pro). Owemint does not run 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 or turn off iCloud Sync anytime in Settings. What you track is yours alone.

QUESTIONS OR FEEDBACK?

Reach us at the support email in Settings. We read every message.