Who Owes Me: Debt Tracker

Contains adsIn-app purchases
Content rating
Everyone
100+
Downloads
Content rating
Everyone
Learn more
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About this app

Keep track of who owes you and what you owe, and send a WhatsApp reminder without the awkwardness.

Who Owes Me is the tab-and-debt ledger in your pocket: every amount has a name, a due date and a status, and you see at a glance what is still to collect and what is still to pay.

COLLECT WITHOUT THE AWKWARDNESS
• A ready-made WhatsApp message with what is outstanding and your PIX key.
• A reminder on the due date with the total to collect or to pay, even with the app closed.

ORGANIZE IT YOUR WAY
• Installments and fixed payments, like monthly fees and rent.
• Split one bill across several people at once.
• Month and year summaries: how much you lent, borrowed and already received.

FOLLOW EACH PERSON
• A balance per person: "Owes me", "I owe" or "Settled".
• Reliability calculated from on-time payments.
• Contacts imported from your phone's address book.

WITH FRIENDS ON THE APP
• Anyone who also uses Who Owes Me sees the same debt from their side, reports that they paid, and you confirm with one tap.

For anyone running a tab at a corner store, bar or salon, and for anyone who just wants to stop forgetting what they lent to friends and family.

The Pro plan raises the limits and unlocks detailed charges, a custom message, year summary charts and an ad-free experience.
Track who owes you and what you owe, and send a WhatsApp reminder
Updated on
Oct 19, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Location, App activity and 2 others
  • This app may collect these data types
    Location, Personal info and 6 others
  • Data is encrypted in transit
  • You can request that data be deleted

What’s new

Simpler contacts and invites
• Pick who owes you straight from your contacts, with search.
• Friend invites now guide you step by step.
• Syncing contacts no longer freezes.
Content rating
Everyone
Learn more

App support

Phone number
+5581993418470
About the developer
ARTCODE CONSULTORIA LTDA.
contato@artcodedigital.com
R SANTA LEOPOLDINA, 541 Ibura RECIFE - PE 51230-420 Brazil
+55 81 98365-4228