present
I owe
You owe
He owes
She owes
It owes
We owe
They owe
past
I owed
You owed
He owed
She owed
It owed
We owed
They owed
future
I will owe
You will owe
He will owe
She will owe
It will owe
We will owe
They will owe
conditional
I would owe
You would owe
He would owe
She would owe
It would owe
We would owe
They would owe