Hey Product Hunt! 👋 I'm Solayman, a solo indie iOS dev behind WHITE DIGIT. OweMate started from a very personal problem: I kept lending small amounts to friends and either forgetting about them or feeling too awkward to ask for the money back. Existing apps felt like accounting software — overkill for "hey, you owe me 500 for dinner." So I built something simpler: 🔹 Log in seconds — person, amount, note, done 🔹 Ask to Pay (AI) — drafts a friendly, non-awkward reminder message you can send via WhatsApp/iMessage 🔹 Clear overview — see who owes you, who you owe, and net balances at a glance 🔹 Privacy-first — your data stays on your device with iCloud sync It's built natively in SwiftUI with SwiftData + CloudKit. No account needed, no ads, no selling your data. Would love your feedback — especially on the "Ask to Pay" AI feature. What would make it more useful for you? Thanks for checking it out! 🙏

OweMate - Debt & Loan Tracker

Smart debt tracker with AI-powered payment reminders

Smart debt tracker with AI-powered payment reminders