| Simple | Progressive | Perfect | Progressive |
| Present |
| I owe |
| you owe |
| he/she/it owes |
| we owe |
| you all owe |
| they owe |
|
| I am owing |
| you are owing |
| he/she/it is owing |
| we are owing |
| you all are owing |
| they are owing |
|
| I have owed |
| you have owed |
| he/she/it has owed |
| we have owed |
| you all have owed |
| they have owed |
|
| I have been owing |
| you have been owing |
| he/she/it has been owing |
| we have been owing |
| you all have been owing |
| they have been owing |
|
| Past |
| I owed |
| you owed |
| he/she/it owed |
| we owed |
| you all owed |
| they owed |
|
| I was owing |
| you were owing |
| he/she/it was owing |
| we were owing |
| you all were owing |
| they were owing |
|
| I had owed |
| you had owed |
| he/she/it had owed |
| we had owed |
| you all had owed |
| they had owed |
|
| I had been owing |
| you had been owing |
| he/she/it had been owing |
| we had been owing |
| you all had been owing |
| they had been owing |
|
| Future |
| I will owe |
| you will owe |
| he/she/it will owe |
| we will owe |
| you all will owe |
| they will owe |
|
| I will be owing |
| you will be owing |
| he/she/it will be owing |
| we are owing |
| you all will be owing |
| they will be owing |
|
| I will have owed |
| you will have owed |
| he/she/it will have owed |
| we will have owed |
| you all will have owed |
| they will have owed |
|
| I will have been owing |
| you will have been owing |
| he/she/it will have been owing |
| we will have been owing |
| you all will have been owing |
| they will have been owing |
|
