Who Owes Me

Who Owes Me is a simple credit book for anyone who lends money or sells on credit. Shop owners, market traders, side hustlers, freelancers, and anyone who lends to friends and family.

Stop losing track of who still owes you what. Record credit and payments in seconds, see every balance at a glance, and send a polite reminder when it's time to pay.

WHAT YOU CAN DO
- Add customers in seconds, typed in or picked from your phone's contacts
- Record credit given and payments received, each with its date
- See at a glance who owes you and how long they have been waiting
- Sort by amount or by days waiting, and find anyone by name or number
- Send a polite reminder on WhatsApp or by SMS in a couple of taps
- Share a record with your customer so they can see it and confirm or dispute it. They can never change your records.
- Keep several books, for example one for your shop and one for personal loans
- Use any currency. Every entry keeps its own currency, and balances are never converted
- See simple reports of what is owed and what has come in

MADE FOR EVERYDAY USE
- Sign in with your phone number. No password, no email account
- Works offline and syncs when you are back online
- Your books follow you: sign in on a new phone and everything is there
- Light and dark mode

YOUR DATA, YOUR CONTROL
- Only what the app needs is stored: your number, your books, your customers and your entries
- Your records are private to you. Customers only see a record if you choose to share it
- Delete your account and all your data at any time, from inside the app

Who Owes Me is made by Peotechnologies, as part of a family of small, affordable everyday apps built to be useful for people all over the world. Available in English, French and Arabic, with more languages coming.

Questions or ideas? Write to [email protected]