OweMate - IOU & Debt Tracker

On-device AI writes your payment reminders — friendly, urgent, or formal. No sign-up, iCloud sync. PRO is a one-time purchase, never a subscription.

Someone owes you money. You know it, they've forgotten it. OweMate remembers for you — a private ledger of everything lent and borrowed, per person — and its on-device AI even writes the "hey, could you pay me back?" message so you don't have to.

WHO IT'S FOR Friends and family who lend each other money. Roommates settling one-to-one. Freelancers tracking client payments across currencies. Anyone who finds it awkward to ask for their money back.

OweMate is a personal 1-to-1 ledger — not a group bill-splitting app. Every person gets their own running balance: money sent, money received, and exactly where you stand.

TRACK EVERY IOU – Import people straight from your Contacts – Log amounts as Sent or Received with date, currency, and notes – Automatic running balance per person — "Settled" when you're even – Edit or delete any entry, anytime

ASK TO PAY — AI PAYMENT REMINDERS Tap once and OweMate writes a ready-to-send reminder using Apple Intelligence, fully on your device. Choose the tone: Friendly, Urgent, or Formal. Share it via Messages, WhatsApp, email — or just copy it. (On iPhones without Apple Intelligence, smart templates keep the feature working for everyone.)

BUILT FOR REAL LIFE – Any currency, with multiple currencies per person — perfect for expats, travelers, and international clients – Dashboard with "They Owe You" and "You Owe" at a glance – Export any person's statement as a PDF – 3 Home Screen widgets: Balance Card, Receivables, Debt Tracker

PRIVATE BY DESIGN No account. No sign-up. No servers. Your data syncs through your own iCloud, and the AI runs entirely on your iPhone. Nobody sees your money business but you.

ONE-TIME PRO — NOT A SUBSCRIPTION OweMate is free with ads. OweMate PRO is a single one-time purchase that removes all ads, unlocks instant AI generation, and supports independent development. Buy once, yours forever.

Requires iOS 26. AI generation requires an Apple Intelligence-capable iPhone (iPhone 15 Pro or newer); other devices use smart templates.

Stop keeping IOUs in your head. Download OweMate and always know who owes you.