Owely - IOU & Loan Ledger

Track every favor, loan, and repayment between you and the people you trust. Overpayments become deposits — not awkward arguments.

Money between friends and family is the easiest to lose track of. Who covered dinner last time? Does that extra repayment count? Owely is built for exactly this: personal lending and borrowing between people who trust each other.

THREE LEDGERS, CLEAR SEMANTICS • You owe them — from things they paid for you • They owe you — from money you lent • Balance — overpaid money is a deposit, not a debt. This is what sets Owely apart.

FOUR TRANSACTION TYPES Cover, repay, lend, collect. Optional offsetting cancels debts in both directions automatically, and repayments can include a thank-you bonus.

MORE THAN A LEDGER • Events: group a trip's or dinner's transactions and see the total • Plans: due-date reminders that sync to your iPhone calendar • Statements: export a monthly PDF both sides can verify • Stats: net trend, per-contact share, balance overview

YOUR LEDGER STAYS YOURS Everything is stored on your device. No server, no account, no ads, no data collection. Face ID app lock available with Pro.

PRO — ONE-TIME PURCHASE Unlimited contacts, Face ID lock, interest on loans, recurring plans, shareable statements, receipt scanning. Buy once, keep forever. No subscription.

Available in English, Traditional & Simplified Chinese, Japanese, and Korean, with 11 currencies.