Present
| I | owe |
| You | owe |
| She | owes |
| We | owe |
| They | owe |
Past
| I | owed |
| You | owed |
| She | owed |
| We | owed |
| They | owed |
Perfect
| I | have | owed |
| You | have | owed |
| She | has | owed |
| We | have | owed |
| They | have | owed |
Future
| I | will | owe |
| You | will | owe |
| She | will | owe |
| We | will | owe |
| They | will | owe |
Past Perfect
| I | had | owed |
| You | had | owed |
| She | had | owed |
| We | had | owed |
| They | had | owed |
Future Perfect
| I | will | have | owed |
| You | will | have | owed |
| She | will | have | owed |
| We | will | have | owed |
| They | will | have | owed |
Present - Conditional
| I | would | owe |
| You | would | owe |
| She | would | owe |
| We | would | owe |
| They | would | owe |
Perfect - Conditional
| I | would | have | owed |
| You | would | have | owed |
| She | would | have | owed |
| We | would | have | owed |
| They | would | have | owed |