Terms of Use

By using Who Owes Who? you agree to these simple terms.

A free tool, provided as is

The calculator is free to use. It is provided "as is" without warranties. We aim for accurate results, but please double-check amounts before sending or requesting money.

Not financial advice

Results are arithmetic based on the numbers you enter. They are not financial, legal or tax advice, and you are responsible for any payments you make between yourselves.

Your data

Groups you create are stored in your own browser. Share links contain the group data inside the link itself, so anyone you send a link to can see that group.

Advertising

The site shows ads to stay free. See Advertising & Cookies for how ad cookies work and your choices.

Changes

These terms may be updated from time to time. Continued use means you accept the current version.