Owe to Pay

Split group bills, track who owes whom, and settle up in one tap. Simplified debts, recurring rent, multi-currency support, and receipt scanning built in.

Owe to Pay makes shared expenses simple. Split bills with roommates, travel groups, or friends—and always know exactly who owes what.

CREATE GROUPS Organize expenses by trip, household, or any shared context. Invite friends and keep everyone on the same page.

SPLIT YOUR WAY Split equally, by exact amounts, percentages, or shares. Add one-off expenses or scan a receipt to get started faster.

SEE BALANCES AT A GLANCE Your home screen shows what you owe and what you’re owed across all groups. Tap any balance to see the full breakdown.

SIMPLIFIED DEBTS We reduce complicated webs of IOUs into the fewest payments needed—so settling up is actually simple.

SETTLE UP IN ONE TAP Record when a debt is paid and keep your balances accurate without awkward follow-ups.

RECURRING EXPENSES Set rent, subscriptions, and monthly bills once. Owe to Pay tracks them automatically.

MULTI-CURRENCY Log expenses in any currency. Balances display in your chosen currency with conversion built in.

ACTIVITY HISTORY Every expense and settlement is logged so your group has a transparent, shared record.

SIGN IN SECURELY Use Sign in with Apple or Google to get started in seconds.

Whether you’re splitting dinner, tracking trip costs, or managing household bills, Owe to Pay keeps shared money fair and clear.

Questions or feedback? Visit owetopay.com