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OweMate - Debt & Loan Tracker
Smart debt tracker with AI-powered payment reminders
OweMate helps you track money you've lent or borrowed without awkward conversations. Log debts in seconds, get smart reminders, and let our AI "Ask to Pay" feature draft the perfect polite nudge. Stop losing track of IOUs with friends, family, and roommates.
Hey Product Hunt! 👋
I'm Solayman, a solo indie iOS dev behind WHITE DIGIT. OweMate started from a very personal problem: I kept lending small amounts to friends and either forgetting about them or feeling too awkward to ask for the money back.
Existing apps felt like accounting software — overkill for "hey, you owe me 500 for dinner." So I built something simpler:
🔹 Log in seconds — person, amount, note, done
🔹 Ask to Pay (AI) — drafts a friendly, non-awkward reminder message you can send via WhatsApp/iMessage
🔹 Clear overview — see who owes you, who you owe, and net balances at a glance
🔹 Privacy-first — your data stays on your device with iCloud sync
It's built natively in SwiftUI with SwiftData + CloudKit. No account needed, no ads, no selling your data.
Would love your feedback — especially on the "Ask to Pay" AI feature. What would make it more useful for you?
Thanks for checking it out! 🙏
About OweMate - Debt & Loan Tracker on Product Hunt
“Smart debt tracker with AI-powered payment reminders”
OweMate - Debt & Loan Tracker was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #149 on the daily leaderboard. OweMate helps you track money you've lent or borrowed without awkward conversations. Log debts in seconds, get smart reminders, and let our AI "Ask to Pay" feature draft the perfect polite nudge. Stop losing track of IOUs with friends, family, and roommates.
On the analytics side, OweMate - Debt & Loan Tracker competes within iOS, Finance and Personal Finance — topics that collectively have 118.7k followers on Product Hunt. The dashboard above tracks how OweMate - Debt & Loan Tracker performed against the three products that launched closest to it on the same day.
For a complete overview of OweMate - Debt & Loan Tracker including community comment highlights and product details, visit the product overview.
