OweMate - Who Owes Me Tracker
WHITE DIGIT LLC
Who owes you money? OweMate remembers so you don't have to. It's a private, one-to-one ledger of everything you've lent and borrowed, per person, with a running balance that tells you exactly where you stand. When it's time to ask, on-device AI writes the "hey, could you pay me back?" message for you. WHO IT'S FOR • Friends and family who lend each other money • Roommates settling rent, groceries, and bills one to one • Freelancers tracking client payments across currencies • Anyone who finds it awkward to ask for their money back OweMate is a personal ledger, not a group bill splitter. Every person gets their own balance: money sent, money received, and "Settled" when you're even. TRACK EVERY IOU • Import people straight from Contacts • Log each amount as Sent or Received, with date, currency, and a note • Automatic running balance per person • Edit or delete any entry, any time • Notes per person for the details that don't fit a number ASK TO PAY — AI-WRITTEN REMINDERS Tap once and OweMate drafts a ready-to-send payment reminder using Apple Intelligence, entirely on your iPhone. Pick the tone: Friendly, Urgent, or Formal. Send it through Messages, WhatsApp, email, or copy it. On iPhones without Apple Intelligence, smart templates keep the feature working for everyone. BUILT FOR REAL LIFE • Any currency, and more than one currency per person: perfect for expats, travelers, and international clients • Dashboard with "They Owe You" and "You Owe Them" at a glance • Sort by balance, recent activity, or name; filter to see who's settled • Three Home Screen widgets: Balance Card, Owed to You, and You Owe • Sync across your iPhone and iPad through your own iCloud PRIVATE BY DESIGN No account. No sign-up. No servers. Your data lives in your iCloud, and the AI runs on your device. Nobody sees your money business but you. ONE-TIME PRO, NOT A SUBSCRIPTION OweMate is free with ads. OweMate PRO is a single one-time purchase: every ad removed, PDF statements to share with the other person, and instant AI reminders. Buy once, yours forever, including every future update. Requires iOS 26. AI generation requires an Apple Intelligence–capable iPhone (iPhone 15 Pro or newer); other devices use smart templates. Stop keeping IOUs in your head. Download OweMate and always know who owes you.
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