Owe better.
Owy is the wise little tracker for installments, lenders, and group debts — built for the Philippines. Made for you and your circle.
Everything you need to owe wisely
Track, share, and stay on top of every loan — without spreadsheets.
Every term, tracked
Log a loan once, see every installment laid out — paid, due, overdue. No more wondering "magkano na ba bayad ko?"
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.
Built for real life
However you owe, 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.”
Simple, honest pricing
Free to start. Upgrade when you're ready. 🤝
Owy Libre
Try it and stick.
- 1 workspace
- Up to 5 loans & 5 lenders
- All loan categories
- Installment & partial payments
- Dashboard & charts
- Social login, dark mode
Owy Pro
For the serious solo tracker.
- Everything in Libre, plus:
- 3 workspaces
- Unlimited loans & lenders
- Analytics & monthly reports
- Payment reminders (Hoots)
- Loan archiving
- CSV export
Owy Pamilya
Track together.
- Everything in Pro, plus:
- 10 workspaces
- Up to 10 members per Nest
- Member roles (Owner/Editor/Viewer)
- Loan splits & group balances
- Settlement recording & history
- CSV + PDF export
🦉 Upgrade or downgrade anytime. Your loans, lenders, 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 the wise way. Free to start, no credit card needed.