--- title: "Who Owes Me — App Overview" url: https://marlvel.ai/apps/who-owes-me category: Finance developer: Mincho Kolev platforms: android rating: 4.4 (441 ratings) pricing: free report_level: overview generated: 2026-05-08 last_verified: "2026-05-08T03:58:35.969Z" --- > **Key Insight:** This is a privacy-first, offline utility for tracking informal debts with a highly flexible, user-defined currency system. | Metric | Value | |--------|-------| | Category | Finance | | Rating | 4.4 ★ (441) | | Pricing | free | | Platforms | Android | | Latest Version (Android) | 4.4 | | Developer | Mincho Kolev | ## What is Who Owes Me? Who Owes Me is a local-only finance tracking tool designed to manage personal debts and credits. It distinguishes itself by allowing users to define custom currencies, ranging from traditional monetary units to abstract items like time or favors. ## Key Features - **Custom Currency Support**: Users can create and track any unit of exchange, including physical items, time, or abstract concepts. - **Local Data Storage**: The application operates entirely offline, ensuring no user data is uploaded to external servers. - **Home Screen Widget**: Provides quick access to record payments or launch the app with pre-filled transaction details. - **Customizable Interface**: Allows users to reorder currency lists via drag-and-drop to prioritize frequently used items. ## Who is it for? Individuals seeking a simple, privacy-focused way to track informal debts and personal obligations. ## Links - [Google Play](https://play.google.com/store/apps/details?id=com.blogspot.mravki.whoowesme&hl=en&gl=us) - [Full Intelligence Report](https://marlvel.ai/apps/who-owes-me) --- *This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/apps/who-owes-me).* *Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*