Owe better.
Owy is the wise little tracker — a debt, loan & installment tracking app built for the Philippines. Track what you owe, share with your circle, and never miss a due date — may sari-sari store? Your listahan ng utang lives here too.
Everything you need to owe wisely
Track, share, and stay on top of every loan — without spreadsheets or a smudged notebook.
Every term, tracked
Log a loan once, see every installment laid out — paid, due, overdue. No more wondering "magkano na ba bayad ko?"
Your listahan, digitized
Tindahan mode turns your sari-sari store's utang notebook into a live listahan — add a suki, log utang and bayad, and Owy computes who still owes what. Walang mabura, walang mawala.
Built for your circle
Workspaces let your family, tropa, or co-lender share the same numbers. Split loans, settle debts, see who owes whom.
No more surprise dues
Owy quietly nudges you before bayaran day. Analytics and health scores show where you stand. Walang gulat.
Four steps to peace of mind
From sign-up to stress-free in under 2 minutes.
🚀 Sign up free
Sign in with Google. No spam. No ads. Takes 10 seconds.
📝 Log your loans
Add your installments, lenders, and amounts. Owy lays out every term for you.
🪺 Invite your circle
Create a Nest (workspace) for family or tropa. Everyone sees the same numbers.
🦉 Stay on top
Get Hoots (reminders) before due dates. Track your health score. Walang gulat.
🏪 May sari-sari store? Owy also runs your listahan ng utang — see Tindahan mode.
Ang listahan ng utang, may app na.
Every sari-sari store keeps one. Owy turns that smudged notebook into a live listahan — sino ang may utang, magkano, at sino ang mabilis magbayad.
- Add suki, log utang (itemized o total), record bayad — balances computed automatically, oldest utang muna.
- Collection reminders before due dates — sent to you, the owner. Never to your suki.
- Store insights on Pro: suki rankings, top items on utang, collections chart.
- Receivables export — CSV on Pro, PDF on Pamilya. Handa sa kwentuhan.
Personal utang sa ibang tindahan? A Personal Nest tracks that too — same app, both directions.
Tindahan Ni Aling Nena
Tindahan Nest · 3 suki may utang
Mang Tonyo
Sky Flakes, softdrinks
₱1,250
May utang
Aling Nena — kanto
Bayad ₱500 kahapon
₱0
Settled
Jay-R
Load + canned goods
₱430
May utang
Marites
Rice, 1 week
₱2,080
May utang
Built for real life
However you owe — or collect — Owy fits.
The Installment Juggler
Has a phone on Home Credit, a laptop on Billease, sometimes a 0% Lazada Pay Later. Loses track. Just wants one calendar.
“Track my Home Credit + Billease + GLoan in one calendar.”
On your phone in seconds.
No App Store, no Play Store, no download. Tap Get the app and add Owy to your Home Screen — works offline, sends reminders. 🦉
iPhone: Share → Add to Home Screen · Android: Install app
Simple, honest pricing
Free to start. Upgrade when you're ready. 🤝
Owy Libre
Try it and stick.
- 1 Nest (workspace)
- Personal mode: 5 loans & 5 lenders
- Tindahan mode: 15 suki, unlimited utang
- All loan categories
- Installment & partial payments
- In-app collection reminders
- Dashboard & charts
- Sign in with Google, dark mode
Owy Pro
For the serious solo tracker.
- Everything in Libre, plus:
- 3 Nests
- Unlimited loans, lenders & suki
- Analytics & monthly reports
- Store insights — suki rankings & top items
- Payment reminders (Hoots)
- Loan archiving
- Receivables CSV export
Owy Pamilya
Track together.
- Everything in Pro, plus:
- 10 Nests
- Up to 10 members per Nest
- Staff at the counter — asawa or anak as members
- Member roles (Owner/Editor/Viewer)
- Loan splits & group balances
- Settlement recording & history
- Receivables CSV + PDF export
🦉 Upgrade or downgrade anytime. Your loans, lenders, suki, and history are never deleted — switch plans freely, even back to Libre.
Frequently asked questions
Everything you want to know about Owy.
Ready to owe better?
Join thousands of Filipinos tracking their loans — and their listahan — the wise way. Free to start, no credit card needed.