--- title: "owed — App Overview" url: https://marlvel.ai/apps/owed category: Finance developer: Josh Gdovin platforms: ios, android rating: 3.9 (140 ratings) pricing: free report_level: overview generated: 2026-04-24 last_verified: "2026-04-24T01:00:04.091Z" --- > **Key Insight:** While the app offers a simple, free, and non-subscription solution for tracking personal debts, user feedback highlights a demand for improved data organization, backup functionality, and more robust editing capabilities. | Metric | Value | |--------|-------| | Category | Finance | | Rating | 3.9 ★ (140) | | Pricing | free | | Platforms | iOS, Android | | Latest Version (iOS) | 2.9.7 | | Latest Version (Android) | 1.4 | | Developer | Josh Gdovin | ## What is owed? Owed is a finance utility designed to help users track personal debts and loans among friends and family. The app allows for multiple entries per contact and provides notification and communication tools to manage outstanding balances. ## Key Features - **Contact Integration**: Users can import contacts directly from Apple Contacts to create and manage debtor profiles. - **Multi-Entry Tracking**: The app supports logging multiple individual transactions for each person to maintain a detailed history. - **Reminders and Notifications**: Users can set push notifications and send payment reminders via email or SMS. ## Who is it for? Individuals who frequently lend or borrow money and need a simple, non-subscription tool to track these informal financial obligations. ## Links - [App Store](https://apps.apple.com/us/app/owed/id875672885?uo=4) - [Google Play](https://play.google.com/store/apps/details?id=com.owedapp.android&hl=en&gl=us) - [Full Intelligence Report](https://marlvel.ai/apps/owed) --- *This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/apps/owed).* *Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*