Android · coming to Google Play

iOS · coming to the App Store

Split expenses.
Never move money.

OweMe records what was paid, who paid it and how it should be split — then tells you, in the fewest possible transfers, who owes who. There is no card, no bank link and no wallet. It is a shared notebook that does the arithmetic, and then gets out of the way. Android first, iPhone after.

One email, on the day it lands on Google Play. Nothing else, ever — and you can reply “stop” to that one.

The one thing to understand

There is no “pay now” button. That is the product.

Settling up in OweMe is a sentence, not a transaction: Ali marked €20 paid to Bea. You pay your friend the way you already pay them — cash, your bank app, a favour returned — and then tell OweMe you did. OweMe nets it out of the balances and shows it in the history. That is the whole of it.

It means you never hand this app a financial detail, because it has nowhere to put one. Nothing is held, nothing is routed, nothing can go missing in transit. The worst thing a breach could leak is an argument about a taxi.

  • No wallet, and no balance held for you
  • No card number, ever
  • No bank account linked
  • No payment rails, no processor
  • No escrow, no holding period
  • Just a ledger, and the maths

How it works

Three steps, and two of them are just typing.

  1. 1

    Log what was paid

    Dinner, €96, Ali paid, split four ways. Or three people who each chipped in for one bill, split by percentage. Or by shares, so a couple in a room counts double a single person. OweMe takes the expense as it actually happened rather than making you simplify it first.

  2. 2

    OweMe does the arithmetic

    Every expense nets against every other one. You get a single number per person — what they are up or down overall — instead of a pile of individual IOUs. If you bought dinner and Sam got the taxi, those cancel rather than becoming two debts to remember.

  3. 3

    Square up, however you like

    Tap Settle up and OweMe works out the fewest payments that clear everybody. Make them in real life, then tap Mark paid. Tapped it by mistake? Undo it — the record stays visible, marked as undone, so “why did my balance change?” always has an answer.

The settle-up optimizer

Six payments become three.

Four people on a trip to Lisbon. €608 spent, everyone in for a quarter. Settle it pair by pair and there are six transfers to make. There is a set of three that clears exactly the same debts, and OweMe finds it every time.

Pair by pair

6 payments

  • Ali → Bea€81.00
  • Cem → Ali€14.50
  • Dara → Ali€10.50
  • Cem → Bea€95.50
  • Dara → Bea€91.50
  • Cem → Dara€4.00

Everybody paying everybody. Three of these move money in circles.

OweMe

3 payments

  • Ali → Bea€56.00
  • Cem → Bea€114.00
  • Dara → Bea€98.00

Bea fronted the flat, so Bea gets paid. Everyone ends up exactly where they should.

Both columns settle the same four people to zero. The larger the group, the wider the gap — and the optimizer is free, on every tier. Charging for the arithmetic would be a strange thing to do.

What is in it

Built for how bills actually happen.

Four ways to split

Equally, exact amounts, percentages, or shares. Equal is right nearly always; the other three are there for the night three of you had starters and one did not.

More than one payer

Three people put money towards one bill. Record it the way it happened instead of inventing a single payer and a correcting expense afterwards.

People who don’t have the app

Add someone by name — Sam from work is a perfectly good entry, and it is a Premium feature. If they install it later, their whole history comes with them. Inviting them to join is free on every plan, and always will be.

A link, or a QR code

Invite somebody by sending a link or holding up a QR code. It only ever opens the one group, it expires by itself, and you can revoke it. Nothing about you is in it.

The bills that repeat

Rent, the internet, a shared subscription — set it once and it appears on its own, daily through to yearly. Rent due on the 31st stays on the 31st; it does not quietly become the 28th because February happened once.

Both sides sign off

When someone records a payment to you, you confirm it — or dispute it. A balance that only one person can move is not a shared ledger. Disputing accuses nobody; it just stops the number changing while you two work it out.

156 currencies, 32 categories

Currency is per expense, not per app: a trip with euros and yen in it shows a euro balance and a yen balance, because a conversion rate you did not choose silently changes who owes what. The categories are enough to be useful and few enough to pick without thinking, and they add up into where the money actually went.

As many people as you like

No cap on members, on either plan. Charging by the head for a group of friends would be a strange way to price a thing about splitting fairly.

Take the whole lot with you

A group as CSV, or your entire account as JSON — both free, and the CSV includes what the free plan's history window hides. An export that stopped at the paywall would make the promise worthless.

Premium

Works with no signal

Read your groups, expenses and balances offline, and add, edit or delete an expense while you are down there. It syncs when you are back, and anything the server refuses is shown to you rather than quietly dropped.

Premium

Scan a receipt

Photograph it and get the line items back, then tap who had what. Read entirely on your phone, so it works with no signal and the photo never leaves the device. It is a proposal: nothing reaches the ledger until you have looked at it.

Premium

One rate, one total

Set a conversion rate for a group and see the mixed-currency trip as a single figure — because you picked the rate, and it says so.

Why you can trust the number

An app about money should be boring about money.

Most of the work in OweMe is not the features. It is the small, dull decisions that stop a shared ledger turning into an argument.

  • Money is whole cents. Never a float.

    €10 between three people is 3.34 / 3.33 / 3.33. It adds back to exactly ten, every time — no stray cent quietly unaccounted for.

  • The app and the server do identical maths.

    The split, the netting and the optimizer are one piece of code that runs in both places. An offline app that disagreed with the server would be a disagreement about money.

  • Nothing is ever really deleted.

    A voided expense and an undone settlement both stay visible, marked as such. In a shared ledger, an entry that simply vanishes is an argument waiting to happen.

  • Direction is never colour alone.

    Owed and owes each carry a word as well as a tint. Red-green is the most common colour-vision deficiency, and a balance sheet that encodes the sign only as hue is unreadable to a lot of people.

  • Stopping a subscription deletes nothing.

    Groups, expenses and history all stay exactly as they are. The premium capabilities go quiet; your record does not. History outside the free window is withheld from view, not destroyed, and it all comes back if you return.

  • Leaving does not wreck anyone else’s balances.

    Delete your account and your entries stay, attributed to a name rather than an account. Nobody else’s arithmetic silently changes because you left.

Your data

You can take it, and you can end it.

OweMe is used across the EU, so it is built to the GDPR whether or not a given user is covered by it. Everything below is a right you exercise yourself, in the app, without asking us and without waiting for anybody.

  • We hold less than you would guess.

    Your email, your display name, a password stored only as a hash we cannot read, and the ledger you record. No location. No analytics. No advertising or ad identifiers. No tracking across apps or sites. No cookies on this page. Nothing in the special categories the GDPR protects — no health, biometric, political or religious data. We do not ask for your real name, address, phone number or date of birth.

  • Receipt scanning never leaves your phone.

    The photo is read on the device, by Android. The image is not uploaded and neither is the text — only the numbers you accept become an expense. It works with no connection at all, which is the simplest proof that nothing is sent anywhere.

  • Take everything with you, whenever.

    Your whole account exports as JSON, and any group as CSV — including the entries the free plan hides, because a window that stopped you taking your own data would make this a lie. One tap, free, immediate. No form, no request, nobody to approve it.

  • Delete your account yourself, in seconds.

    In the app, or on the web with no app installed — here. It happens at once rather than becoming a request somebody actions. Locked out entirely? Write to us and a person will do it.

  • What deletion does, honestly.

    Your email, your name, your password and every session are erased, and your seat in any shared group stops carrying your name — it becomes a nameless former member. What stays is the arithmetic: the expenses and settlements other people in that group still depend on. Erasing those would silently change what everybody else owes each other, and the GDPR recognises that limit in Art. 17(3). We would rather say this plainly than promise you a clean wipe we do not perform.

  • Never for sale.

    We do not sell your data, share it for advertising, or profile you. There is no analytics processor, no ad SDK, and no automated decision-making anywhere in OweMe. The full detail — every processor, every retention period, every right and how to use it — is in the Privacy Policy.

Pricing

The maths is free. It always will be.

Splitting, balances and settle-up are the product, and they are not behind a paywall on any tier. Premium is about scale and convenience — more groups, longer memory, and the things that need a server to do.

Free

€0forever

A complete expense splitter, not a trial.

  • All four split types, and multiple payers
  • The settle-up optimizer
  • Recurring expenses, and invite links
  • Unlimited people who join with an account
  • 156 currencies, 32 categories
  • CSV export, including hidden history
  • Invite anyone to join — free, and always will be

Capped at one group, 300 expenses and 90 days of browsable history. Older entries still count towards every balance — the window hides them, it never deletes them.

Premium

€2.99/ month

Or €34.99 a year, which is about two months off.

  • Unlimited groups
  • Unlimited history, and no expense cap
  • Offline mode, on up to 5 devices
  • 200 receipt scans a month
  • Item-by-item receipt splitting
  • Currency conversion, on a rate you set
  • Split with people who are not on OweMe — add them by name

Billed through your Google Play account, cancellable there at any time. Prices are set in Play and shown to you in your own currency.

One group, one payment

€4.99once

For the one holiday that needs it.

  • Upgrades a single group, permanently
  • For everyone in it — including people who have never paid
  • Full history and no expense cap in that group
  • Currency conversion in that group
  • Anyone in it can add people who are not on OweMe

It upgrades the group. Offline mode and receipt scanning belong to a person, not a group, so those stay with the subscription.

Questions

The ones that actually get asked.

Can I pay someone through OweMe?

No — and not “not yet”. OweMe holds no funds and touches no payment rails, deliberately, because that is what keeps it from needing your card details and from becoming a party to your debts. You settle up in real life and record that you did.

Do the other people need the app?

No. Add anybody by name and OweMe tracks their share exactly as it would anyone else’s — that part is Premium, or comes with a premium group. Inviting them to join is free on every plan, and if they do, everything you recorded before they arrived comes with them. A lapsed subscription never removes somebody already in a group: your balances are untouched, you simply cannot add the next one.

Does archiving a group free up my free group?

No. The free plan is one group ever — archived and deleted ones still count. Archiving tidies the list; it does not hand back the slot. The moment you want a second group is the moment the app is worth paying for, and pretending otherwise would just be a worse-hidden version of the same limit.

What happens to my data if I stop paying?

It stays. Every group, expense and settlement is kept exactly as it was, and premium capabilities go read-only instead. History older than the free window is hidden from browsing but still counted into every balance, and it reappears in full the moment you subscribe again.

What if somebody says they paid me and they did not?

Then you dispute it, and the balance stops moving. Every settlement one person records has to be confirmed by the other, and either way the record stays on screen with its state showing. OweMe is not the referee — it just makes sure you are both looking at the same thing.

Where does a scanned receipt go?

Nowhere. The receipt is read on your phone, by your phone — which is why scanning works with no signal at all, and the simplest proof that the photo is not going anywhere. What you get back is a suggestion: nothing is recorded until you have looked at it and confirmed.

Why does it not just convert my currencies?

Because picking the rate decides who owes what, and that should not happen behind your back. Mixed-currency groups show one balance per currency. Premium lets you set a rate yourself and see a single combined figure, on the record as your choice.

When is the iPhone version?

After Android. OweMe is being finished properly on one platform rather than started badly on two, so Android goes to Google Play first and iOS follows. Leave your address above and you will hear when it does — say which phone you have and we will only bother you about that one.

Who is behind this?

A very small operation, contactable at owemeapp@gmail.com. Privacy and account-deletion requests go to the same address and are answered by a person.

Know who owes who.

OweMe is finishing up for Google Play. Leave an address and we will tell you once — on the day it is there.