Owe Book: Debt & IOU Tracker

Never forget who owes what. Track loans, IOUs and split bills — private, on your device and in your own iCloud. No account, no ads. Pro: monthly, yearly, or pay once.

Who owes you money? Owe Book remembers — every loan, IOU and split bill, in one place. No spreadsheets, no awkward "you still owe me" texts.

Your ledger lives on your device and syncs privately through your own iCloud. There is no account to create, no ads, and nothing shared with us.

TRACK EVERY DEBT • Record what you lend and borrow in seconds • Organize entries by person, with running balances • Attach a photo of a receipt, check or IOU • Add notes, due dates and payment reminders • Mark a debt fully or partially paid, down to the cent

SPLIT GROUP BILLS • Create a group, add members and log shared expenses • Owe Book works out who owes whom and keeps it fair • Settle up and watch the balances clear

SEE WHERE YOU STAND • One net number across every friend, loan and group • Settlement rate, a six-month lending trend and your exposure per currency • Widgets for your net position, what is due soon, and one-tap entry — on the Home Screen, Lock Screen and StandBy

PRIVATE BY DESIGN • Your ledger stays on your device and in your own iCloud • No sign-up and no ads, ever • Optional Face ID / Touch ID lock

iPHONE, iPAD AND MAC Owe Book is a native app on all three, in 17 languages. Change language inside the app and it takes effect immediately — no restart.

OWE BOOK PRO Pro unlocks group bill-splitting, the Face ID / Touch ID lock, CSV statement export, and choosing your home currency from the full currency list.

Pick what suits you: a monthly or yearly subscription, or a one-time purchase that never renews. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel any time in your App Store account settings. The one-time purchase is billed once and does not renew.

Terms of Use: https://hadicuet.github.io/owebook-legal/terms.html Privacy Policy: https://hadicuet.github.io/owebook-legal/

Keep your friendships clear and your money organized. Download Owe Book and never forget who owes what again.