OwePay is the ultimate personal finance utility for tracking who owes you money, and who you owe money to. Designed with a strict "Privacy-First" and "Local-First" philosophy, OwePay ensures that your financial relationships remain entirely your business.

Whether you are splitting bills with friends, tracking loans to family members,
OwePay keeps everything organized, secure, and accessible—even without an internet connection.

✨ KEY FEATURES ✨

🔒 100% Offline & Private
No internet? No problem. OwePay works entirely offline by default. Your data is never sold, tracked, or forced onto a server.

🛡️ Military-Grade Security
Your privacy is our priority. Your database is encrypted locally using AES-256 (SQLCipher), and the app is locked behind your device’s native Biometrics (Fingerprint/FaceID) or a custom secure PIN.

☁️ Optional Encrypted Cloud Backup
Don't want to lose your data if you lose your phone? You can opt-in to use our Cloud Sync.

📄 Professional PDF Export
Need to send a receipt or a summary? Generate clean, professional PDF reports for individual transactions or your entire debtor summary with a single tap, ready to be shared via Telegram, WhatsApp, or Email.

🇪🇹 Full Amharic & English Support
OwePay is built for the Ethiopian community and beyond. Switch seamlessly between English and Amharic.

⚡ Lightning Fast & Simple
Say goodbye to cluttered accounting software. OwePay is designed to do one thing perfectly: track debts. Add a person, enter an amount, write a reason, and you're done.

Take control of your personal finances today. Download OwePay and never forget a debt again!