| I | owe |
| you | owe |
| he/she/it | owes |
| we | owe |
| you | owe |
| they | owe |
| I | have owed |
| you | have owed |
| he/she/it | has owed |
| we | have owed |
| you | have owed |
| they | have owed |
| I | owed |
| you | owed |
| he/she/it | owed |
| we | owed |
| you | owed |
| they | owed |
| I | had owed |
| you | had owed |
| he/she/it | had owed |
| we | had owed |
| you | had owed |
| they | had owed |
| I | will owe |
| you | will owe |
| he/she/it | will owe |
| we | will owe |
| you | will owe |
| they | will owe |
| I | will have owed |
| you | will have owed |
| he/she/it | will have owed |
| we | will have owed |
| you | will have owed |
| they | will have owed |
| I | am owing |
| you | are owing |
| he/she/it | is owing |
| we | are owing |
| you | are owing |
| they | are owing |
| I | have been owing |
| you | have been owing |
| he/she/it | has been owing |
| we | have been owing |
| you | have been owing |
| they | have been owing |
| I | was owing |
| you | were owing |
| he/she/it | was owing |
| we | were owing |
| you | were owing |
| they | were owing |
| I | had been owing |
| you | had been owing |
| he/she/it | had been owing |
| we | had been owing |
| you | had been owing |
| they | had been owing |
| I | will be owing |
| you | will be owing |
| he/she/it | will be owing |
| we | will be owing |
| you | will be owing |
| they | will be owing |
| I | will have been owing |
| you | will have been owing |
| he/she/it | will have been owing |
| we | will have been owing |
| you | will have been owing |
| they | will have been owing |
| I | would owe |
| you | would owe |
| he/she/it | would owe |
| we | would owe |
| you | would owe |
| they | would owe |
| I | would have owed |
| you | would have owed |
| he/she/it | would have owed |
| we | would have owed |
| you | would have owed |
| they | would have owed |
| I | would be owing |
| you | would be owing |
| he/she/it | would be owing |
| we | would be owing |
| you | would be owing |
| they | would be owing |
| I | would have been owing |
| you | would have been owing |
| he/she/it | would have been owing |
| we | would have been owing |
| you | would have been owing |
| they | would have been owing |
| You | owe |
| we | Let's owe |
| You | owe |