EasyOwe
Finance · iPhone · Android
EasyOwe: Who owes who, in one tap.
Lent a friend $20 for pizza? Open EasyOwe, type 20, tap ✓. One balance per friend, shared with that friend, and it works offline. No ads.
- For iPhoneApp Store
- For AndroidGoogle Play
Coming soon to the App Store and Google Play.
- Platforms
- iPhone and Android
- Price
- Free, no ads
- Sign-in
- Email code, no password
- Publisher
- Bit Microsystems LLC
In short
What is EasyOwe?
EasyOwe is a simple app for iPhone and Android that keeps track of money between friends: who owes whom, and how much. You type an amount, tap ✓, and the friend you add sees the same balance and history. It only records debts between people; it never holds, sends or receives money.
The app
Built around one number
Screens from the iPhone app. Open it, see who owes who, add an IOU and settle up.
Type the amount, tap Add 
Pay back in their favourite app 
One shared history with each friend 
Works offline, syncs later 
Payment methods for your country
What it does
One number per friend
Everything is built around the balance you have with each person, and getting it to zero.
One balance per friend
See how much you are owed and how much you owe, right on the home screen, one number per friend.
Add in two taps
A big, fast number pad. The date fills itself in. Add a note or a photo of the receipt later if you want.
Your friend sees it too
Add a friend by email. If they use EasyOwe, they see the same balance and history, so there are no “I thought I paid you” moments.
Pay back right away
Share how you like to be paid, such as a payment handle or a QR code. Your friend taps Pay and their own app opens. EasyOwe never touches the money.
Works offline, any currency
Everything works without a connection and syncs when you are back online. Track debts in USD, EUR, GBP, INR, NPR and more.
Private by design
No ads and no tracking. No passwords: you sign in with a one-time code sent to your email. Lock the app with a passcode or Face ID.
Apple Watch
On your wrist, too
EasyOwe on Apple Watch shows what you are owed and lets you add an IOU without reaching for your phone.
- Your friends and their balances at a glance
- Add an amount with a few quick taps
- Syncs with the app on your iPhone
How it works
An IOU, in plain words
This is everything the app does, and everything it does not.
- 01
Sign in with your email
Enter your email address and type the one-time code we send you. There is no password to remember.
- 02
Add a friend
Add a friend by name and email. When they accept, the two of you share one list and one balance.
- 03
Type it, tap ✓
Enter what someone owes you, or what you owe them. Add a note or a receipt photo if you like.
- 04
Settle up
Tap Pay to open your friend’s preferred payment app, then record the payment. The balance goes back to zero.
What it does
- Keeps one running balance with each friend
- Shares each entry with the friend it involves, and nobody else
- Works offline and syncs when you are back online
- Sends a gentle reminder to a friend when you ask it to
- Exports statements as PDF or CSV, and deletes your account from inside the app
What it does not do
- It is not a bank, payment service or money transmitter
- It never holds, sends or receives money; payments happen in other apps
- It does not show ads or use analytics or advertising SDKs
- It does not read your contacts or your location
- It does not sell or rent your data
Questions
Frequently asked
Straight answers about EasyOwe. For anything else, see the support page.
What does EasyOwe do?
It keeps track of money between you and your friends. Each friend has one balance: add what they owe you or what you owe them, and record payments when you settle up. If your friend uses EasyOwe too, they see the same entries and the same balance.
Does EasyOwe send or hold money?
No. EasyOwe is a record-keeping tool, not a bank or payment service. When you tap Pay, it only opens another app or shows the details your friend chose to share. Any payment happens entirely outside EasyOwe, between you and that service.
Does my friend need the app?
No, you can track a friend privately. If they do use EasyOwe and accept your request, the two of you share the same list, so both of you see every entry and the same balance. If they are not on EasyOwe yet, you can send an invite in one tap.
Does it work offline?
Yes. Your entries are stored on your phone, so you can add and view them without a connection. They sync with your friends as soon as you are back online.
What data does EasyOwe collect?
Only your email address and what you choose to put into the app: your profile, the friends you add, entries, notes, receipt photos and the payment methods you share, plus a push notification token if you allow notifications. No ads, no tracking, and we never sell or rent your data. The privacy policy has the details.
How do I delete my account?
In the app, open the Me tab and tap Delete account. You can also email us from the address you sign in with and ask us to delete it. The delete-account page explains what is deleted and what is kept.
Is EasyOwe free?
Yes. EasyOwe is currently free and has no ads.
The details
Privacy, terms, support and your account
Written for this app specifically, in plain language.
EasyOwe is an independent app from Bit Microsystems LLC. It is not affiliated with, sponsored by or endorsed by any bank or payment service; names such as Venmo, Cash App, PayPal, UPI, eSewa and Khalti belong to their owners and are used only to identify services the app can open. Apple, iPhone, Apple Watch and Face ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc. Google, Android, Wear OS and Google Play are trademarks of Google LLC. All other names belong to their owners.
Support
Need a hand with EasyOwe?
The support page covers the common questions. If yours is not there, write to us and a person on our team will reply.