// OWED / LOAN TRACKER / NO SIGNUP

Money you've lent,
finally on paper.

Owed keeps track of who owes what, what's overdue, and sends a polite WhatsApp nudge in one tap. No signup. Your data stays on your device.

OWED Ledger

Total lent Rs 2,50,000

Collected Rs 1,44,600

                Outstanding
                Rs 1,12,083
              

Tap any sticker below to stamp it on screen. Stamps persist across reloads.

HOW DATA WORKS

100% local in-browser storage · Zero tracking · Encrypted export/import · Instant offline speed

CORE PHILOSOPHY

"No signups, no cloud databases, no ads. Just an honest ledger that keeps your money clear."

How It Works

0/3 completed

Tick items to see how easy tracking with Owed feels.

01 / WRITE IT DOWN

Record who took the loan, the agreed interest rate (optional), and repayment due date. Your borrower directory is generated automatically.

Quick Loan Entry

BorrowerRamesh Kumar (Shop) Amount₹15,000 (Principal) Due Date15 Nov 2026 StatusActive • On Track

02 / MARK REPAID

Did someone return ₹3,000 today? Just tap Add Payment. When full amount arrives, slide once to settle the loan.

03 / NO AWKWARD TALKS

Never feel awkward asking for your own money back. Pick Hindi or English friendly templates with the exact outstanding breakdown ready to send.

Launch Owed Now →

// ZERO SERVER STORAGE

Your financial records never leave your browser. Even if your internet is down, Owed works smoothly offline.

Everything is saved directly inside your local storage. No corporate cloud can see your borrower list.

One-click download of your entire ledger. Keep it on your flash drive, email it to yourself, or restore anytime.

Need your reports in spreadsheets? Export complete transaction histories in universal CSV format.