Owely - IOU & Loan Ledger

Money between friends and family is the easiest thing to lose track of. Who covered dinner? Did the extra you paid back last time count? Owely is built for private IOUs — and it never needs the other person to install anything. NEW IN 2.0 • iCloud sync: your ledger syncs between your iPhones and survives a phone swap. It lives only in your own iCloud — we have no server. • Split with others (Pro): you paid 1,200 for dinner; pick people and a method, and Owely records one entry per person, each settled on its own. Remainders are shown, totals always add up. • Payment request cards (Pro): send a card and a link. They confirm in Owely — or on the web page without the app — and a receipt comes back to you. A confirmed entry is no longer up for debate. • Per-contact currency: yen for your friend in Japan, dollars for a coworker. Kept separately, never converted, listed per currency on the home screen. THREE BOOKS, CLEAR MEANING • I owe them: from what they paid for you • They owe me: from what you lent • Balance: overpayments are a deposit, not a debt — the biggest difference from other ledgers FOUR ENTRY TYPES, ONE TAP Borrow, repay, lend, get repaid. Toggle “offset” to net against what they owe you; add a thank-you tip on repayments so favors are recorded too. MORE THAN A LEDGER • Events: group a trip’s or dinner’s entries and see the total; splits fold into one group • Plans: due-date reminders, optionally in your iPhone calendar • Statements: one-tap monthly PDF to settle up with proof • Stats: net trend, share by contact, balances • Backup: JSON export/import — your data always leaves with you YOUR LEDGER IS YOURS Data stays on your device and in your own iCloud. No server, no account, no ads, no data collection. Request cards and receipts travel through your own messaging apps; we never handle them. Face ID app lock available with Pro. PRO, ONE-TIME PURCHASE Unlimited contacts, split with others, payment request cards, Face ID lock, interest on loans, recurring plans, statement sharing, receipt amount recognition. Buy once, keep forever, no subscription. Receiving requests, receipts and iCloud sync are free for everyone. Available in Traditional Chinese, Simplified Chinese, English, Japanese and Korean. 11 currencies. iOS 17 or later.