Ụgwọ

NIPPYSKY

About this app

Ụgwọ (Igbo for “debt” or “obligation”) gives money between people a proper home.
The lunch money you covered. A friend’s transport fare. The phone repair your cousin promised to repay. Informal debts like these are easy to forget and awkward to bring up. Ụgwọ helps you remember clearly, track every repayment, and settle without straining the relationship.
Log a debt in seconds
Choose a person, select “Owed to me” or “I owe,” enter the amount, and you’re done. Add a date, due date, or note only when you need one. No categories to manage and no spreadsheet to maintain.
Know where you stand
See your net position and every open balance in one clear ledger. Each person has a running balance, and every debt shows whether it is due soon, overdue, or open-ended—so nothing quietly slips through the cracks.
Track every repayment
Record full or partial repayments and let Ụgwọ calculate what remains. Each personal ledger keeps a dated timeline of debts, repayments, notes, and settled balances.
Remind without the awkwardness
Get private, on-device reminders as due dates approach. When it’s time to reach out, Ụgwọ drafts a warm, face-saving message you can share through WhatsApp or any app you choose. It can even help you acknowledge money you owe before you’re asked.
Private by design
Your records are encrypted on your device before syncing, and only encrypted ledger data is stored by Ụgwọ’s server. Protect the app with Face ID, fingerprint, or your device’s screen lock. Ụgwọ never connects to your bank, moves money, or acts as a lender or payment processor.
Works offline. Restores securely.
Your ledger lives on your phone first, so you can keep using it without a connection. Sign in on a new device to restore your people, debts, and repayments; sync catches up when you’re back online.
Connect Akù, if you want
Ụgwọ is the sister app to Akù, NIPPYSKY’s personal finance tracker. Connect them and new loans and repayments logged in Ụgwọ can appear automatically in Akù as income or expenses under Loans when both apps use the same currency.
The connection is optional and one-way, and you can choose whether to copy your existing history.
Ụgwọ keeps the facts clear, the reminders gentle, and the relationship intact.
Owed. Remembered. Settled.
By NIPPYSKY, the makers of Akù.

What’s new

Ụgwọ is here — track every debt you're owed and every one you owe, without spreadsheets or awkward conversations.

- Log IOUs in seconds, with reminders before due dates
- End-to-end encrypted — we can't see your data, ever
- Works fully offline, syncs automatically across your devices
- Optional link to Akù so your loans show up in your money picture too

Owed. Remembered. Settled.