Owe Book: Debt & IOU Tracker

Never forget who owes what. Track debts, IOUs, and split group bills — offline, synced through your own iCloud. No account, no ads, no subscription.

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 — no account to create, no ads, no subscription.

TRACK EVERY DEBT • Record what you lend and borrow in seconds • Organize entries by person, with running balances • Attach a photo of a receipt, cheque, or IOU • Add notes, due dates, and payment reminders

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

SETTLE & EXPORT • Mark debts fully or partially paid • Export a person's or a group's statement as CSV • Multi-currency — choose a currency per entry

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

NOW ON iPhone, iPad & MAC Owe Book is a native app on all three — buy Pro once and it unlocks everywhere.

OWE BOOK PRO A single payment, no subscription. Unlocks group bill-splitting, the Face ID / Touch ID lock, CSV statement export, and setting your default currency.

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