OwetoPay
Expense tracker

Split expenses.
Settle up simply.

Track group and personal spending, see who owes whom, and record when debts are cleared.

How it works

From shared costs to settled up in three steps.

  1. 1

    Add friends or a group

    Roommates, trips, dinners — any context where costs are shared.

  2. 2

    Log expenses

    Equal, exact, percentage, or share-based splits on every entry.

  3. 3

    Settle up

    Mark debts cleared when paid in cash, transfer, or elsewhere.

0

Split types

Equal, exact, percentage, shares

$0

Fees taken

No payment processing

Any

Currency

With display conversion

Features

Built for groups that split costs fairly.

  • Group expenses

    Shared costs for roommates, trips, and any group.

  • Clear balances

    You owe and you are owed — always up to date.

  • Recurring bills

    Rent, subscriptions, and monthly splits set once.

  • Multi-currency

    Log in any currency with display conversion.

Ready to settle up?

Download Owe to Pay and start tracking shared expenses with your group.