OwetoPay

At a glance

A live picture of every shared balance.

Open the app and the math is already done. See what you are owed, what you owe, and exactly how it was split.

  • Real-time balances
  • No processing fees
  • Any currency

Share costs

Capture every expense, however you split it

Set up who is involved and the rules once, then log shared spending in seconds.

  • Groups

    Roommates, trips, and any shared context in one place.

  • Splits

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

  • Recurring

    Monthly rent and subscriptions set once and forgotten.

Stay balanced

Always know exactly where you stand

Live balances and a transparent history keep everyone on the same page.

  • Balances

    See who owes whom in real time, never out of date.

  • Simplified debts

    Smart netting means fewer payments to settle up.

  • Activity

    A transparent history of every change for the group.

Settle anywhere

Close the loop, your way

Clear recorded debts in a tap and work across borders without the mental math.

  • Settle up

    One tap to clear recorded debts once they are paid.

  • Multi-currency

    Log in any currency with display conversion built in.

Ready to settle up?

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