Money and items.
Structured properly.
Record money lent, money borrowed, items lent and items borrowed with currencies, dates, notes, people and supporting attachments.
Active overview4 records
Net position+ KD 122.500
Android testing liveiOS rollout in progress
Money between people,
finally clear.
Track what you owe, what is owed to you, borrowed items, due dates, proof and shared records — then protect truly private notes and files inside Secure Vault.
US$4.99Premium Lifetime
EN + ARNative RTL support
No adsPremium experience
OweMate•••
Good morningYour money,
Your money,
at a glance.
Owed to youKD 164.5003 active
You oweKD 42.0001 active
Recent records
AAlexDinner · Due 22 Sep+18.500
MMayaCamera lens · ItemBorrowed
RRamiTrip expenses · Shared+96.000
◇
SECURE VAULTPrivate by design.
Notes and files are encrypted before they leave this device.
Travel documentsEncrypted
Agreement.pdfProtected
Emergency AccessControlled
✓Record settled
◇Vault encrypted
THE WHOLE STORY
Not just who owes what.
OweMate keeps the context around every IOU: the person, amount, item, date, proof, reminders, settlement history and — when you choose — a shared space.
Money and items.
Know the relationship, not just the number.
Keep records grouped around the people they belong to, with clear active balances and history.
ARM+
One space.
Two people.
Premium can unlock a shared OweMate space so two trusted people work from the same records and people.
Due dates that do not disappear in chat.
Keep upcoming and overdue records visible and use reminders for the things that matter.
TomorrowAlex · Dinner split9:00 AM
A different place for truly private content.
Secure Vault notes and files are encrypted on your device before upload. It is intentionally separated from ordinary shared-space records.
YOUR DEVICEPlain content
→ encrypt →OWEMATEEncrypted data
HOW IT WORKSFast when you add it.
Fast when you add it.
Useful when you need it.
Choose a step to see how a real-world IOU becomes a clear record instead of another message you have to remember.
OweMate interactive preview
What happened?
AmountKD 18.500
Keep the proof with the record.
Alex ✓Due 22 Sep ›receipt.jpg AttachedDinner split Note
Two people see the same shared records.
Sharing is explicit — not automatic.
Done without deleting the story.
✓
The record leaves active totals while its history remains available.
PRIVACY WITHOUT THEATRE
Security you can explain.
OweMate uses clear boundaries: ordinary app data, shared-space data and encrypted Vault content are not treated as the same thing.
SECURE VAULT
Encrypt before upload.
Private Vault notes and files are encrypted on the device before they are sent to OweMate.
- Private secure notes
- Encrypted file transport and storage
- Dedicated Vault recovery flow
◇
DEVICEENCRYPTEDPROTECTED ACCESS
Explicit, read-only and delayed.
Emergency Access is owner-controlled, read-only and protected by a countdown. The owner can deny access before it becomes available.
- Visible protection countdown
- Owner notification and deny control
- Read-only emergency access
30days
RECOVERY
Designed for the day a device changes.
OweMate includes app-password recovery and a dedicated recovery path for an existing Secure Vault.
- App password recovery
- Vault recovery code
- Cross-device continuity
••••RECOVERY
YOUR DATA
Account controls are part of the product.
OweMate provides in-app account deletion and a public deletion-request path. Shared-space safeguards prevent one member from silently destroying another member’s shared data.
- Authenticated access
- Private attachment storage
- Account deletion controls
ENGLISH + ARABIC
Built to work in both directions.
Arabic and right-to-left layouts are part of OweMate’s product experience, not a translated afterthought.
English
Owed to me
KD 164.500Alex +18.500Maya Itemالعربية
مستحق لي
١٦٤٫٥٠٠ د.كأحمد +١٨٫٥٠٠مريم غرضSIMPLE PRICINGStart free.
Start free.
Upgrade once.
No recurring Premium subscription. OweMate Premium Lifetime is designed as a one-time unlock.
$0to start
For a small personal set of active records.
- Up to 5 active records
- Personal OweMate space
- People, currencies and due dates
- Attachments, reports and reminders
US$4.99one-time
For people who want the full OweMate experience.
- Unlimited active records
- One Shared Space for two people
- Premium Secure Vault capabilities
- Protected Emergency Access
- No ads
FAQClear answers.
Clear answers.
No fine-print maze.
For legal details, see the Privacy Policy. For help, contact support@owemate.net.
Is OweMate a subscription?
No. Premium Lifetime is planned as a US$4.99 one-time purchase. The free experience supports up to 5 active records.
Can two people use the same records?
Premium supports one Shared Space for two people. Both members can access the records and people stored in that shared space.
What is Secure Vault?
Secure Vault is OweMate’s private area for notes and files that are encrypted on the device before upload. It is not intended to be a password manager.
Can I use OweMate in Arabic?
Yes. OweMate supports English and Arabic, including right-to-left layouts.
Can I delete my account?
Yes. OweMate includes an in-app deletion flow, and a public deletion-request route is available from this website.
Where can I download OweMate?
Android closed testing is underway through Google Play. The iOS build is in rollout preparation; the public App Store link will be added when the listing is live.
OOWEMATEKeep the record.
Keep the record.
Lose the awkwardness.
A calmer way to track money, items and shared obligations between people.
▶Closed testing onGoogle Play●Coming soon to theApp Store