Owe & Owed: Personal Ledger

Never forget who owes you or who you owe! Owe & Owed is a clean, modern, 100% ad-free, and offline personal debt ledger designed to track money lent to friends, family, or colleagues, as well as debts you need to repay. 🚫 100% AD-FREE & PRIVACY-FIRST • Zero Ads Ever: No banner ads, no annoying video interruptions, and no popup ads. Enjoy an uninterrupted experience. • No Accounts or Sign-ups: Start using the app immediately with zero registration. • Stored Strictly on Your Phone: All records stay completely on your device. We do not use cloud servers or collect your personal data. • Zero Tracking: No analytics SDKs, trackers, or behavioral profiling. Your financial records are 100% private to you. ✨ KEY FEATURES: 📊 Real-Time Financial Overview • Instant snapshot of your total "They Owe Me", "I Owe", and "Net Balance". • Filter transactions easily by All, Lent, Borrowed, or Grouped by Person. ⚡ Flexible Repayments & Increments • Record full or partial repayments with a single tap. • Add additional borrowed or lent amounts to existing balances effortlessly. 💬 Quick Polite Reminders • Share friendly, customizable payment reminders directly via WhatsApp or SMS. • Pre-composed messages make reminding friends simple and polite without awkwardness. ⏰ Due Dates & Local Alerts • Assign due dates to transactions. • Receive reliable, offline device notifications before or on the due date so you never miss a payment. 💾 Safe Offline Backup & Restore • Easily export your entire ledger to a JSON file. • Save your backup to Google Drive, Downloads, or an SD card and restore it anytime on any device. 🛡️ App Lock (Biometric / PIN) • Protect your sensitive financial balances from prying eyes using your phone's fingerprint, face unlock, or device PIN. 🌐 Multi-Currency Support • Track transactions in your preferred currency (USD $, EUR €, GBP £, INR ₹, JPY ¥, CAD $, AUD $, and more). 🎨 Modern Material Design • Designed with sleek Material 3 dark aesthetics, smooth animations, and intuitive swipe gestures. Whether you are splitting expenses with roommates, tracking personal loans among friends, or keeping tabs on small business credits, Owe & Owed keeps your finances clear, ad-free, and private.