Question 1

What is Oweable?

Accepted Answer

Oweable is a financial operating system for anyone dealing with debt, bills, or financial pressure. It replaces spreadsheets and disconnected apps with a unified dashboard for managing bills, debt payoff, income, subscriptions, net worth, credit tools, and spending analytics. It also includes quarterly tax tools for gig and 1099 workers.

Question 2

Who is Oweable designed for?

Accepted Answer

Oweable is for anyone under financial pressure — people paying off credit card or medical debt, single parents managing bills, recent graduates with student loans, gig workers (Uber, DoorDash, Instacart, Lyft), 1099 contractors, salaried employees on tight budgets, and anyone who needs a clear picture of their finances and a plan to get ahead.

Question 3

How does Oweable track quarterly taxes?

Accepted Answer

Oweable automatically estimates your quarterly IRS tax obligations based on your tracked income and your applicable state and federal tax rates. It separates W-2 income (where taxes are withheld) from 1099 / gig income (where you pay quarterly estimated taxes yourself), giving you an accurate picture of what you owe each quarter.

Question 4

How does Oweable help me pay off debt faster?

Accepted Answer

Oweable's Debt Detonator lets you choose between the Avalanche strategy (highest interest first — minimizes total interest paid) or the Snowball strategy (smallest balance first — builds momentum). It calculates your exact debt-free date, projects total interest saved, and generates a month-by-month amortization schedule for every debt.

Question 5

Can I track all my bills in one place?

Accepted Answer

Yes. Add any recurring bill — rent, utilities, subscriptions, insurance — with its due date and frequency. Oweable automatically flags bills that go overdue, calculates your total monthly burn rate, and shows everything on a financial calendar so nothing slips through.

Question 6

Does Oweable connect to my bank account?

Accepted Answer

Oweable supports manual entry, document ingestion (upload receipts and statements), and optional bank linking via Plaid from Settings (Integrations). Plaid connection stores tokens securely on the server; automatic transaction import may be expanded in future updates.

Question 7

How does Oweable track net worth?

Accepted Answer

Oweable computes your real-time net worth as total assets minus total liabilities (debts). It also stores a daily snapshot every time you log in, building a historical timeline so you can see your net worth trajectory over 1 month, 3 months, 6 months, 1 year, or all time.

Question 8

How much does Oweable cost?

Accepted Answer

Oweable offers a free tier and paid plans starting at $9 per month. Visit oweable.com/pricing for the current plan breakdown and feature comparison.

Question 9

Is Oweable secure?

Accepted Answer

Yes. Oweable uses Google OAuth for authentication (no passwords stored), encrypts all data at rest and in transit via TLS 1.2+, and enforces row-level security (RLS) on every database table so users can only access their own financial data. Authentication sessions expire after 24 hours of inactivity.

Question 10

What is the best app for managing debt and bills?

Accepted Answer

Oweable is built specifically for people managing debt and bills under financial pressure. Unlike general budgeting apps, Oweable includes debt payoff tracking with Snowball and Avalanche strategies, bill management with overdue detection, credit tools, net worth monitoring, and income tracking — all in one dashboard.

Question 11

How is Oweable different from YNAB or Mint?

Accepted Answer

YNAB and Mint are built for salaried workers with predictable income. Oweable is built for real financial situations — variable income, multiple debt types, tight budgets, and financial recovery. It includes features those apps lack: debt amortization with Snowball and Avalanche strategies, credit repair tracking, bill overdue detection, and quarterly tax tools for gig workers.