UOMe — Lent & Borrowed Tracker

Forgetting who owes what costs real money—and awkward conversations. UOMe is a calm, focused tracker for money you've lent or borrowed. There's no account to create, no feed, and no ads cluttering the screen: open the app, log what happened, and move on. Whether you spotted a friend for coffee, split rent with roommates, floated cash until payday, or keep a soft ledger for family loans, UOMe keeps the story straight. See totals at a glance, sort with filters, drill into one record, add partial payments as the balance changes, and when it's time to follow up, pick a reminder message that sounds human—not robotic. WHAT YOU CAN DO • Track lent and borrowed amounts side by side—always know what's still open • Log partial payments over time so the remaining balance stays honest • Add optional due dates and get local reminders before dates arrive (enable notifications in device and app settings) • Organize entries with categories that match your life—rent, food, travel, informal loans, and more • Work in the currency that matches real life—broad currency support for trips, relatives abroad, or mixed households • Choose from five reminder tones (friendly nudge, casual check-in, short and direct, suggest a time, polite follow-up), then copy or share through your own SMS, WhatsApp, email, or chat—no awkward built-in “social network,” just your own words in apps you already trust • Search and filter so the important balances surface fast • Mark items settled when they're done—no more “did we close that out?” doubt • Export your ledger to JSON or CSV, and restore from a JSON backup when you upgrade or replace your phone • Optional app PIN and privacy mode to hide amounts when someone might glance over your shoulder PRIVACY, PLAIN AND SIMPLE UOMe is for people who don't want a signup wall or a cloud ledger just to remember a dinner split. Your debt records stay on your device. We don't require email, phone number, or social login to use the app, and we don't splash noisy ads across your balances or sell access to who owes you what. Anonymous diagnostics may be collected so we can improve stability and fix crashes—see the Privacy Policy linked on this listing for the full picture. What stays off the network is the heart of the app: your names, amounts, notes, and payment history remain local under your control. NO ADS. NO FORCED ACCOUNT. You shouldn't have to trade an inbox full of promos to remember fifty bucks from last Tuesday. UOMe stays out of your way: helpful when you need it, quiet when you don't. The point isn't to trap you in “engagement”—it's to give you a trustworthy place to write things down once and stop cycling the same mental math. USE CASES • Roommates and shared bills: who covered what, and what's still outstanding before rent week • Friends and family: small loans that should stay small—and actually get closed • Informal IOUs: cash, transfers, or favors you want to track without opening a spreadsheet • Freelancers and side projects: firm but polite follow-ups when a balance lingers • Couples and small groups who need clarity, not another performative finance feed • Anyone who has ever thought, “I'm sure I paid that… or did I?” HOW IT WORKS 1) Install and open—no lengthy account signup. 2) Add who, how much, lent or borrowed, plus notes, due dates, or categories in a few taps. 3) Record payments as they come in or go out. 4) Glance at your summary before you budget the week. 5) Settle things and mark paid. Fewer ambiguous texts, more confidence about what's still open. UOMe does not move, send, or hold money for you. It helps you stay organized and respectful about money that already moves through banks, apps, or cash—while keeping your private ledger where it belongs: on your phone, under your rules. The UI follows your system light or dark preference so late-night checks don't feel like a chore. Download UOMe and put “who owes what” back under control.