Owolio: Debt & Owed Tracker

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Owolio - Debt & Owed Tracker for Friends and Family

Who owes you money? Owolio is a simple debt tracker for the small amounts that are easiest to forget - the $20 you lent a friend, the taxi someone covered, the lunch you said you'd get next time.

No group accounting. No spreadsheets. No awkward reminder texts. Just a clear record of the money owed between you and the people in your life, and a nudge when a debt is due.

🎯 PERFECT FOR
• Tracking money you lent to friends and family
• Keeping a record of IOUs and informal debts
• Remembering who owes you after you covered the bill
• Small sums owed that you'd rather not have to chase
• Money you borrowed and want to pay back on time
• Roommates keeping tabs on who paid for what

✨ WHY OWOLIO

📊 Every Debt in One Place
Track money you've lent and money you owe in a single dashboard with a running net balance. Each debt gets an amount, a person, a reason, a category and a due date, so nothing depends on memory.

💸 Partial Payments
Money owed rarely comes back in one go. Record part-payments as they happen and watch the balance drop until the debt is settled.

🔔 Due Date Reminders
Let the app do the awkward remembering. Set a due date and get a notification when money you lent is due back.

⚖️ Smart Settle Up
When debts run both ways, Owolio works out the smallest set of transfers that clears everything between you. One tap to record a payment.

📈 Lending Statistics
See who you lend to most, how fast you get paid back, and how your borrowing and lending change over time.

🔒 Private by Default
• Your debts and IOUs stay on your device and work offline
• 4-digit PIN lock with fingerprint or face unlock
• The app locks automatically when you switch away
• No account needed to track personal debts

➕ ALSO INCLUDED
Need to split a bill or share trip costs? It's built in - divide equally, by exact amounts or by shares, and the result lands straight in your debt list. Shared trips sync live with the people you invite, by email or join code.

🎨 MADE YOURS
• Light and dark themes
• Multiple currencies
• Custom categories

❓ COMMON QUESTIONS

Do I need an account?
No. Tracking personal debts works offline with no sign-up. You only need an account if you want to share a trip with other people.

Can I track money I borrowed too?
Yes. Owolio tracks both directions - money you lent and money you owe - and shows a single net balance per person, so you always know where you stand.

What if someone pays me back a bit at a time?
Record each part-payment against the debt. The outstanding balance updates as you go, and the record closes itself when the debt is fully repaid.

Will it remind me?
Give any debt a due date and Owolio sends a notification when it's due, so you don't have to be the one who brings it up.

Is my data private?
Personal debts stay on your device and work offline. You can lock the app with a 4-digit PIN plus fingerprint or face unlock.

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Stop lending money into a black hole. Download Owolio and always know who owes you what.