owed +

1. Download the app and sign up with email or your Apple or Google account. 2. Create a wallet or group, add participants, and set your default currency. 3. Add a bill or IOU, choose who paid and who owes, split evenly or by custom shares, set a due date, and attach a receipt if needed. 4. Enable reminders and optional calendar sync, then choose notification times for upcoming and overdue payments. 5. Share the record with contacts to keep everyone updated, settle payments, view insights, and export reports for budgeting or bookkeeping.