Owe & Owed: Personal Ledger

jng-apps

About this app

Never forget who owes you or who you owe!

Owe & Owed is a clean, modern, 100% ad-free, and offline personal debt ledger designed to track money lent to friends, family, or colleagues, as well as debts you need to repay.

🚫 100% AD-FREE & PRIVACY-FIRST
• Zero Ads Ever: No banner ads, no annoying video interruptions, and no popup ads. Enjoy an uninterrupted experience.
• No Accounts or Sign-ups: Start using the app immediately with zero registration.
• Stored Strictly on Your Phone: All records stay completely on your device. We do not use cloud servers or collect your personal data.
• Zero Tracking: No analytics SDKs, trackers, or behavioral profiling. Your financial records are 100% private to you.

✨ KEY FEATURES:

📊 Real-Time Financial Overview
• Instant snapshot of your total "They Owe Me", "I Owe", and "Net Balance".
• Filter transactions easily by All, Lent, Borrowed, or Grouped by Person.

⚡ Flexible Repayments & Increments
• Record full or partial repayments with a single tap.
• Add additional borrowed or lent amounts to existing balances effortlessly.

💬 Quick Polite Reminders
• Share friendly, customizable payment reminders directly via WhatsApp or SMS.
• Pre-composed messages make reminding friends simple and polite without awkwardness.

⏰ Due Dates & Local Alerts
• Assign due dates to transactions.
• Receive reliable, offline device notifications before or on the due date so you never miss a payment.

💾 Safe Offline Backup & Restore
• Easily export your entire ledger to a JSON file.
• Save your backup to Google Drive, Downloads, or an SD card and restore it anytime on any device.

🛡️ App Lock (Biometric / PIN)
• Protect your sensitive financial balances from prying eyes using your phone's fingerprint, face unlock, or device PIN.

🌐 Multi-Currency Support
• Track transactions in your preferred currency (USD $, EUR €, GBP £, INR ₹, JPY ¥, CAD $, AUD $, and more).

🎨 Modern Material Design
• Designed with sleek Material 3 dark aesthetics, smooth animations, and intuitive swipe gestures.

Whether you are splitting expenses with roommates, tracking personal loans among friends, or keeping tabs on small business credits, Owe & Owed keeps your finances clear, ad-free, and private.