OweMate: IOU & Debt Tracker

Stop losing track of who owes you — and what you owe back. OweMate keeps every loan, IOU, and shared expense crystal clear, so the conversation about money never gets awkward again.

100% FREE. Every feature unlocked. No subscription. No paywall.

Whether it's the $20 you spotted a friend for lunch, your share of last weekend's road-trip gas, the rent you're splitting with roommates, or the money your sister borrowed last month — OweMate tracks BOTH directions in one place: what you owe AND what's owed to you.

— SMART AI MESSAGES —
Tap once and OweMate's on-device AI drafts the perfect "hey, can I get that back?" text for you. Friendly. Urgent. Formal. Three tones, one tap. The AI runs entirely on your phone using Apple's FoundationModels — your messages never leave your device.

— LEND & BORROW IN ONE APP —
Log who borrowed, who lent, who paid back, and who still owes — for every contact, every transaction. Unlimited contacts, unlimited transactions. Partial payments fully supported.

— 70+ CURRENCIES —
Travel, international friends, family abroad, freelance clients in another country — OweMate handles every currency.

— HOME SCREEN WIDGETS —
Three widget styles let you glance at your balance, your top contacts, or recent transactions without ever opening the app.

— ICLOUD SYNC —
Built on Apple's CloudKit. Your data syncs automatically across iPhone, iPad, and Mac. No account, no signup, no password.

— PDF EXPORT —
Need to send your roommate a clean statement of what's owed? Export to a polished PDF in one tap.

— PAYMENT REMINDERS —
Custom notifications keep due dates from slipping past you.

— PRIVACY-FIRST —
On-device AI. Your data in YOUR iCloud. No accounts. No third-party tracking. Your money is your business.

PERFECT FOR
• Friends splitting bills, rent, groceries, ride-shares
• Couples managing shared expenses
• Roommates tracking utilities and household costs
• Families lending money across generations
• Anyone tired of awkward "did you ever pay me back?" texts

FREE FOREVER — NO SUBSCRIPTION
Every feature is free. Every contact, every transaction, every currency, every widget, every AI message, every PDF — all free. The app is supported by ads. If you'd like to remove them and make the AI instant, a single small one-time tip does it. That's it. No subscription. No renewal. No feature paywall. (Compare: competitors charge $20–$70 per year.)

Built with Swift, SwiftUI, SwiftData, and CloudKit — Apple-native through and through.

Download OweMate today — and never lose track of money between friends again.