Stop doing mental math in group chats. You Owe is the calm, clear way to track shared expenses and paybacks with friends, so you always know who owes what, and nothing gets “lost” in a long message thread. It’s an intuitive expense tracker for everyday life, from dinners to trips.

REAL TIME, REAL CLARITY
When someone logs a transaction on a shared ledger, the other person sees it right away. Balances and history update live. No refresh dance, no “did you add that yet?”. You’re both looking at the same truth, immediately.

WHY YOU OWE
• One place for every shared money story. Trips, roommates, or any shared expenses.
• Balances that update as you log things. No spreadsheets, no awkward “remind me what we decided?” moments.
• Built for real life: expenses when someone pays upfront, and paybacks when someone settles up. So tracking money owed is simple and clear.
• Works as a lightweight debt tracker for everyday situations between friends.

HOW IT WORKS
• Create a shared ledger for you and a friend.
• Log expenses with optional split percentages so the balance reflects each person’s share. Perfect as a simple bill splitter.
• Record paybacks when money changes hands. Without treating it like a new purchase.
• Invite and connect quickly with QR codes. Get on the same page in seconds.

SEE THE FULL PICTURE
• A transactions log you can search and filter. Find that one dinner in seconds.
• A visual timeline with running totals. Perfect when you want the story, not just the number.
• An audit log of ledger changes when you want accountability and clarity.

WORKS GREAT FREE. GO PRO WHEN YOU’RE ALL-IN.
Start free and upgrade if you need more shared ledgers and heavier monthly logging. Here’s the part people love: on a shared ledger, only one of you needs Pro, your partner benefits too. Cancel anytime.

Download You Owe and make “who owes what?” a solved problem. Not a recurring argument.