Owolio: Debt & Split Bills

Stop doing mental math after dinner. Owolio splits bills with friends, tracks who owes what, and tells you the fastest way to settle up.

🎯 PERFECT FOR
• Splitting restaurant bills and group dinners
• Sharing costs on trips and holidays
• Roommates splitting rent, groceries and utilities
• Tracking personal loans with friends and family
• Keeping records of IOUs and informal debts

✨ KEY FEATURES

🧾 Split Any Bill
Divide a bill equally, by exact amounts, or by shares. Add everyone in seconds and see each person's total instantly - no spreadsheets, no arguments.

✈️ Group Trips
Create a shared trip and add expenses as they happen. Anyone can pay for anything, and Owolio nets it all out so you always know where you stand.

🤝 Share & Join
Invite people by email or share a join code. Everyone sees the same expenses update live, on their own phone.

⚖️ Smart Settle Up
Instead of a tangle of payments, Owolio works out the smallest set of transfers that clears every balance. One tap to record a payment.

📊 Debt & IOU Tracking
Track money you've lent and money you owe with a clear dashboard and net balance. Add partial payments, categories, notes and due dates.

🔔 Reminders
Set due date notifications so nothing is quietly forgotten.

📈 Statistics
See your lending and borrowing patterns with charts, and analyse spending by category over time.

🔒 Private & Secure
• 4-digit PIN lock with biometric unlock (fingerprint/face)
• App locks automatically when you switch away
• Personal debts and quick bill splits stay on your device and work offline
• Shared trips sync through your account so everyone stays in sync - sign-in required only for those

🎨 Made Yours
• Light and dark themes
• Multiple currencies
• Custom categories

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debt tracker, loan manager, money tracker, IOU tracker, debt reminder, payment tracker, personal finance, money management, debt manager, lending tracker, borrowing tracker
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Download Owolio and never chase a "who owes what" text again.