Money Owed is a local-first ledger app for tracking shared expenses and IOUs on iOS and macOS.
The App DNA
What makes this app unique?
It removes the dependency on constant cloud connectivity, allowing users to maintain a private, offline-accessible record of debts and credits.
For Individuals, roommates, and groups needing a private, local-first tool to track shared expenses, loans, and IOUs.
What does it look like?
Key features
Transactions and balances are stored locally with automatic syncing when a network is available.
Collaborative ledger management with Read & Write or Read Only permissions.
Applies interest to balances based on a user-defined schedule.
How much does it cost?
The freemium model uses a one-time purchase to gate advanced utility features like receipt attachments and recurring transactions.
Velocity
Maintenance developmentplatform expansionUX improvementsShow more...
The app has shipped 2 releases in the last 3 days, resulting in a maintenance-level cadence of approximately 0.07 releases per week over the observed window. Development is currently focused on platform expansion and core utility, as evidenced by the recent overhaul for iPhone, iPad, and Mac. The latest release represents a major functional shift, moving the app toward a local-first architecture with expanded synchronization and productivity tools. Future momentum remains to be seen given the current low-frequency release pattern.
Who built it?
Eduardo Almeida
7 apps tracked · Utilities
Scaryfolio
Sidetrip
Steam Tables Lite
Burst Timers
MetadataFx
Steam Tables ProUser Sentiment
What do users think recently?
Recent user voice shows a frustrated sentiment. Users appreciate the simple interface makes tracking personal debts and credits between friends feel intuitive and manageable.
How are ratings & reviews evolving?
What users say, by theme
- The simple interface makes tracking personal debts and credits between friends feel intuitive and manageable
- Frequent application crashes and login errors prevent users from accessing their financial data consistently
7 of 7 recent reviews analyzed · limited sample · Frustrated overall
Read the full review analysisUnlock 1 more frustration theme, each backed by review evidence.
Access the full report for freeCompetition
Competitive landscape for Money Owed
How's the Utilities market?
Money Owed occupies the private-utility segment of the ledger market, currently holding a 1.0★ rating across 4 ratings. The lack of recent positive momentum suggests the latest rebuild has not yet resolved the stability friction identified in user feedback.
Read the market outlookThe rivals identified
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Access the full report for freeThe Analyst's Read
Key takeaways for Money Owed
Where is it heading?
The outlook for Money Owed is currently declining due to severe stability issues in the latest release. Without immediate fixes to launch-day crashes and data management, the app risks losing its user base to more stable, albeit cloud-dependent, alternatives.
- Frequent crashes on launch prevent users from accessing their financial data, which erodes trust in the ledger's reliability.
- The lack of granular editing forces users to reset entire accounts, creating high friction that leads to negative sentiment.
The SWOT
- Local-first architecture reduces dependency on cloud uptime
- Native Apple Watch and widget support for quick-add
- Implement granular entry editing to reduce account-reset churn
- Expand Pro-tier value with automated debt-settlement reminders
Next best moves
Audit launch-sequence stability because crashes are the #1 complaint → restore core access
+ 1 more prioritized moveThe counter-intuitive read
The local-first architecture is a retention lever in…
Read the full takeBottom line
Addressing the launch-day stability and adding granular entry editing would unlock the retention potential of the local-first architecture, as the current inability to correct simple mistakes is the primary driver of negative sentiment.
Unlock 2 critical frictions, 1 market threat, 1 more prioritized move and the analyst’s take.
Access the full report for freeFAQ
Is Money Owed suitable for tracking long-term loans?
Does Money Owed require an internet connection to work?
Can I edit a transaction after I have saved it?
Sources
- [1] App Store, source
Report last updated