Personal finance, kept simple

Keep track of who owes whom

A personal finance ledger for money owed, split expenses and recorded repayments. Keep the details together, on your phone, on the web and through your connected AI client.

Know where you stand

See who owes you, who you owe and the remaining amount for each person. Keep money entries, split expenses and repayment history in one ledger.

Keep recurring details organised

Track bills and deliveries, review their due dates, and record payments or receipts. Manage your recurring schedules and reminder records.

Your account, across devices

Sign in with a verified email to create a new account or use your existing OweJar account. Personal cloud ledger access requires active Pro access. Shared expenses, where enabled, are free for accepted account participants and do not upload your private book. With Pro, you can start an empty personal book on the web or activate and sync your existing book in the mobile app. Unsynced phone records, photos kept only on a device, and local backups are not available through the web or AI connection. You can separately enable private People photo sync so those photos appear in your own web book.

Clear policies and help

Browse step-by-step guides in the Help center, including connecting an AI assistant. Read our Privacy Policy and Terms of Service, or visit Support. These pages are public and do not require an account.