Who Owes Me?⚖️
Both directions, one number
Track what people owe you and what you owe them. The dashboard nets it into a single honest balance instead of two lists you have to reconcile in your head.
💸 14 days free · no card needed
Never forget who owes you money.
The £20 for lunch. The taxi you covered. The deposit you fronted for a friend. Who Owes Me? keeps track of every small loan so you don't have to hold it in your head — or feel awkward asking.
No card to start
Cancel any time
Export your data
Sound familiar?
Small loans go missing in the gaps
Not because anyone is dishonest — because nobody wrote it down.
“Wait, did they pay me back?”
Weeks pass, the memory fades, and you are never quite sure enough to ask.
“It's only £20…”
Then it happens eleven times and suddenly it is not only £20 any more.
“I don't want to be that person.”
So you say nothing, and quietly resent it. Money and friendship deserve better.
Features
Everything the notes app on your phone can't do
Purpose-built for the messy reality of lending money to people you like.
📊
Partial repayments
Money rarely comes back in one go. Log each instalment, watch the balance fall, and let the record settle itself when it hits zero.
🧾
Split a bill in seconds
Enter what you paid, add who was there, split it evenly, by shares or custom. The cents always add up exactly — one action creates a record per person.
💬
Reminders that aren't awkward
Pick friendly, neutral or firm and we write the message for you. Send it by WhatsApp, SMS or email. We remember who you nudged, so you never ask twice.
🤝
Settle up and net off
When you owe each other at the same time, cancel both sides in one move. Partial settlements apply oldest-first, and you see the plan before you commit.
📈
Know who actually pays
After a few closed loans you get a quiet read on each person — how fast they repay, how often they're late — built only from your own history with them.
How it works
Ten seconds now saves an awkward conversation later
Log it as it happens
Name, amount, what it was for, and — the part that matters — when they said they'd pay it back. Press N and you're done before the bill arrives.
Let it keep watch
Anything overdue or due soon rises to the top of your dashboard. Nothing quietly rots at the bottom of a list.
Ask without the cringe
One tap writes a polite, specific message with the amount and what it was for. Copy it, or send it straight from your phone.
Pricing
One plan. Less than the coffee you keep buying them.
Start with 14 days free. No card until you decide it's worth it.
14 days free, then
Pro
$5/ month
Everything, for one person. Cancel any time — no notice period, no exit interview.
- Unlimited people and records
- Partial repayments and settle-up
- Bill splitting, evenly or by shares
- Reminder composer in three tones
- Insights and repayment history
- Sync across your devices
- JSON backup and CSV export
No card required to start.
FAQ
Reasonable questions
No. You get all 14 days with nothing but an email address. We ask for payment details only if you decide to carry on afterwards.
Nothing is deleted. Your account moves to read-only until you subscribe, and you can export everything to JSON or CSV at any point — including after the trial.
No. Your records are private to your account. Nobody is notified, invited or emailed unless you choose to send them a reminder yourself — and even then, you send it from your own phone or email.
Deliberately not. Bank connections mean handing over credentials and a much bigger blast radius if anything goes wrong. This is a ledger you control, and it takes about ten seconds to add a record by hand.
Yes, from your account page, in one click. You keep access until the end of the period you already paid for, and we never make you email anyone to leave.
Pick from 20 currencies in Settings. Amounts are stored to the exact cent — never as rounded decimals — so totals and bill splits always add up.
Find out what you're actually owed
Most people are surprised by the number. It takes two minutes to log what you can remember.