Owwed

Private debt tracker for friends and family. Track money you’ve lent, money you owe, payments, and reminders. No account required.

A simpler way to remember money.

Keep track of money you have lent, borrowed, and paid back, without digging through messages, notes, or spreadsheets.

Owwed is a private app for recording informal debts between friends and family. It keeps balances, payments, due dates, and reminders together in one calm place.

WHAT OWWED DOES • See what is outstanding: who owes what, and what you still need to pay • Keep the full picture: amounts, payments, due dates, and remaining balances stay together • Remember at the right time: set a private reminder on your phone

Designed for the small, everyday money moments between people. Whether you covered dinner, lent a friend money, or need to pay someone back, Owwed keeps the details clear without making the relationship feel transactional.

PRIVATE BY DEFAULT • Local-first: debts, people, and payments stay on your device • No account: download and start keeping track • Works offline: your records remain available without a connection • Backups are your choice: make and save a backup when you need one

Owwed does not need an account or a cloud service. Your data stays on your phone unless you choose to create a backup.

IMPORTANT Owwed records informal debts. It doesn’t connect to a bank, send money, or contact anyone on your behalf.

Free. No subscriptions. No ads.