Know what you owe.

One person covers. OWEM reads the receipt, works out every share to the cent, and settles the rest.

01A photo is the whole input. No typing items in.
02Uneven splits are the normal case. Shares follow what each person ordered.
03Your friends need no account. They’re a name on a bill, nothing more.

Coming sooniPhone

Coming soonAndroid

How it works

Three steps, and none of them are maths.

01Photograph the receiptEvery line item read and itemised. Crumpled, faded, handwritten — it still works.

02Say who had whatNames you’ve used before are suggested for you. Tap to correct anything, once.

03You stop chasingRequests go out, balances close themselves, and nobody sends the awkward message.

The maths, shown

One bill, four people, and it adds up exactly.

Tax and tip are apportioned by what each person actually ordered — never divided by the number of heads. Every figure below is a real calculation, not a rounded illustration.

The receiptKin Khao · Saturday

Subtotal$149.47

Tax 8.5%$12.71

Tip 15%$22.42

You paid$184.60

→

What each person owesFour shares, four different numbers

Sums to the total$184.60

Balances are held in whole cents, so a split can never drift. When a remainder won’t divide, it’s assigned to someone — never quietly dropped.

Where the intelligence sits

The AI reads. It never decides what you owe.

The AI interprets

Reads a photographed receipt line by line, including the messy ones.Proposes who had what, using names it has seen you use before.Flags anything it isn’t sure about instead of guessing quietly.

The software decides

Calculates every balance itself, in whole cents, the same way every time.Apportions tax and tip by share, not by head count.Moves no money and changes no amount you’ve confirmed.

That line is deliberate, and it’s why a misread item can never become a wrong amount: nothing is owed until you’ve seen it and confirmed it.

Built for the person who paid.

Not a group chat, not another balance to maintain. One account — yours — and everyone else is just a name on a bill until they’ve paid you back. That’s the whole product, and it’s the reason it can stay this simple.

1account needed — yours

0sign-ups for your friends

Questions

The four things people ask first.

Do my friends need the app?No. You’re the only person with an account. Everyone else is a name you type once, and they can pay you back however you already pay each other.

Does OWEM move my money?Never. It works out what’s owed and asks for it. It isn’t a bank, a wallet, or a card — the payment itself happens outside the app.

What if the receipt is a mess?Faded, crumpled and handwritten receipts still get read. Anything unclear is put in front of you to confirm rather than guessed at silently.

What if the split isn’t even?That’s the normal case, and the reason OWEM exists. Shares follow what each person ordered, with their portion of tax and tip attached.