| Present Tense | Past Tense | Future Tense |
|---|---|---|
| I owe | I owed | I shall/will owe |
| We owe | We owed | We shall/will owe |
| You owe | You owed | You will owe |
| He owes | He owed | He will owe |
| She owes | She owed | She will owe |
| It owes | It owed | It will owe |
| They owe | They owed | They will owe |
| Present Continuous | Past Continuous | Future Continuous |
|---|---|---|
| I am owing | I was owing | I shall/will be owing |
| We are owing | We were owing | We shall/will be owing |
| You are owing | You were owing | You will be owing |
| He is owing | He was owing | He will be owing |
| She is owing | She was owing | She will be owing |
| It is owing | It was owing | It will be owing |
| They are owing | They were owing | They will be owing |
| Present Perfect | Past Perfect | Future Perfect |
|---|---|---|
| I have owed | I had owed | I shall/will have owed |
| We have owed | We had owed | We shall/will have owed |
| You have owed | You had owed | You will have owed |
| He has owed | He had owed | He will have owed |
| She has owed | She had owed | She will have owed |
| It has owed | It had owed | It will have owed |
| They have owed | They had owed | They will have owed |
| Present Perfect Continuous | Past Perfect Continuous | Future Perfect Continuous |
|---|---|---|
| I have been owing | I had been owing | I shall/will have been owing |
| We have been owing | We had been owing | We shall/will have been owing |
| You have been owing | You had been owing | You will have been owing |
| He has been owing | He had been owing | He will have been owing |
| She has been owing | She had been owing | She will have been owing |
| It has been owing | It had been owing | It will have been owing |
| They have been owing | They had been owing | They will have been owing |