Free
Great for getting started.
$0/ month
Pay as you go.
$5 per agreement.
- People & relationships
- Messages & files
- Money & payments
- Commitments
- Agreements ($5 each)
- Reputation & Trust Check
- Bookings
- Ask PayToOwe (NEX)
- Core profile & settings

See plans
Start free. Upgrade when you need more.
Great for getting started.
$0/ month
Pay as you go.
$5 per agreement.
More flexibility. No agreement fees.
$9.99/ month
Everything you use today, without agreement fees.
The complete PayToOwe experience.
$20/ month
For businesses, landlords and power users.
See what you get with Free, Plus and Pro.
| Feature | Free$0/month | Plus$9.99/month | Pro$20/month |
|---|---|---|---|
| Monthly price | $0 | $9.99 | $20 |
| Agreement fee | $5 each | $0 | $0 |
| Unlimited agreements | |||
| People, messages, payments, bookings | |||
| Reputation & Trust Check | |||
| Business Workspace | |||
| Landlord Workspace | |||
| NEX (Ask PayToOwe) |
Free users pay a one-time $5 PayToOwe platform fee each time they create an agreement. The fee is separate from the agreement amount and never becomes part of what either participant owes. Plus and Pro include unlimited agreements with no fees.

Manage your money, people and commitments.

Invoices, bookings, customers and more — all in one place.

Properties, tenants, rent, repairs and more.
Upgrade whenever you're ready.