Owemint is the simple, personal way to track money owed between people. No spreadsheets, no group chats, no awkward follow-ups.

Whether a friend still owes you for dinner or you need to remember what you borrowed, Owemint gives you one clear place to know who owes what.

Think of it as your personal debt manager, IOU tracker, and payment reminder rolled into one calm app.

HOW IT WORKS

Add a person, enter an amount, and choose the direction: They Owe You or You Owe Them. Each person gets their own debt log with a running history, and you can record partial payments until a balance is fully settled. Lend money to multiple people? Owemint keeps every entry separate so nothing gets mixed up.

WHAT YOU CAN DO

• Track debts owed to you and money you owe, two ledgers in one app
• Log partial payments and see remaining balances at a glance
• Set due dates and get gentle debt reminders before, on, and after the due date
• Attach receipt photos or proof of payment to any entry (Pro)
• Hide balances with one tap when someone glances at your screen
• Lock the app behind biometrics or a PIN
• Back up and restore your data manually, no cloud required
• Export your records to CSV for spreadsheets or reports (Pro)
• View stats: net balance, what's owed to you, what's overdue
• Search by person or reason to find any entry fast

WHO IT'S FOR

Owemint is for anyone who lends money to friends, tracks IOUs with roommates, or just wants a simple owe tracker without the complexity of group expense apps. Whether it's cash lent for coffee or a personal loan between family, Owemint keeps your debt list clean and clear.

FREE VS PRO

Owemint is free to use with up to 8 active people. You get unlimited basic reminders, full backup and restore, app lock, and balance hiding, forever.

Upgrade to Owemint Pro for a one-time purchase. No subscription. Pay once, keep Pro forever.

Pro unlocks:
• Unlimited active people
• Photo attachments on any entry
• Recurring overdue reminders (every 3, 7, or 14 days)
• CSV export
• Advanced stats

PERSONAL BY DESIGN

Your debt records stay on your device. Owemint does not store your data on servers and does not require an account. The app collects anonymized crash logs to help us fix bugs, but does not collect user tracking or advertising data. You can opt out of crash reporting. What you track is yours alone.

SETTLE DEBTS, NOT ARGUMENTS

Stop wondering who owes what. Owemint is the debt tracker that keeps things clear between you and the people in your life so you can settle up without the stress.

Questions or feedback? Reach us at the support email in Settings. We read every message.