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★★★★★
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OweMate is now on Apple Watch! • See your balance and everyone who owes you, right on your wrist. • Watch complications for your watch face. • With Pro: log an IOU, settle up, send a friendly nudge and set "Remind me" follow-ups from your watch. • Siri and Shortcuts: "How much does Jake owe me in OweMate?" • Smoother everyday use, with fixes and polish throughout. Enjoying OweMate? A quick rating helps friends find it.
Never forget who owes what. OweMate keeps every IOU between you and your friends in one place, and writes a friendly reminder for you to send when it's time. Now on iPhone, iPad and Apple Watch. No account needed. HOW IT WORKS • Add an IOU in seconds: who, how much, what for. Pizza night, concert tickets, the Uber home. • See every balance at a glance, per person and per currency. • Send a friendly nudge. OweMate writes it, you send it, by text or as a Photo Card. • Mark it settled. Full or partial payments, and the history stays on record. NEW: APPLE WATCH • Your balance and everyone who owes you, on your wrist. • Complications for your watch face. • With Pro: log an IOU in a few taps, settle up, send a nudge through Messages, and set "Remind me" follow-ups for tomorrow, in 3 days or next week. JUST ASK SIRI • "How much does Jake owe me in OweMate?" • "Settle up with Emily in OweMate" • "Add to OweMate" Works with Shortcuts too. On Apple Watch, adding and settling with Siri needs Pro. REMINDERS THAT DON'T FEEL AWKWARD • Pick a tone: Friendly, Urgent or Formal. • Written on your iPhone with Apple Intelligence where available. Nothing is sent until you choose to send it. • Send as plain text, or as one of six Photo Card designs: Ocean, Note, Postcard, Midnight, Receipt and Minimal. BUILT FOR REAL LIFE • Any currency, side by side: dollars, pounds, euros and more. • Roommates, trips, dinners, shared bills, money lent to family. • Private notes on each person. • Search, an Activity timeline and Home Screen widgets. • iCloud sync across iPhone, iPad and Apple Watch. • PDF statements to share a clean summary (Pro). PRIVATE BY DESIGN • No sign-up and no account. • Your IOUs stay on your devices and in your own iCloud. • Ads and ad measurement never see names, notes or amounts. OWEMATE PRO: ONE PURCHASE, NO SUBSCRIPTION • No ads. • Instant reminders. • PDF statements. • Apple Watch actions: add, settle, nudge and reminders. OweMate is a personal IOU tracker. It doesn't collect, lend or transfer money.