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The "O" in IOU — Daily Themed Crossword Answer

This clue appeared in the January 12 2026 Daily Themed Crossword. The answer is below, with its letter count.

The answer
OWE 3 letters

If this does not fit your grid, check the letter count above against the squares you have. Clues get reused across daily puzzles and themed packs, and the same wording can point at a different word.

Other clues with the answer OWE

Have to reimburse, say OWE 3 Have debts to settle OWE 3 Carry a debt OWE 3 "I ___ you an apology" OWE 3 Have to reimburse, say OWE 3 Have loans to settle, say OWE 3 "To what do I ___ the pleasure?" OWE 3 Be in debt, say OWE 3 "You ___ me!" (words after doing someone a favor, perhaps) OWE 3 Carry a debt OWE 3 Carry a debt OWE 3 Be behind on bills OWE 3

Other clues from the January 12 2026 puzzle

All 66 clues →
Tupperware topper LID 3 Chain ___ (carpenter's power tool) SAW 3 The Grand ___ Opry, Nashville OLE 3 Roadside retreat INN 3 Singer Dylan of "Like a Rolling Stone" BOB 3 "90 Day Fiance" channel: Abbr. TLC 3 Cut ___ (divided equally down the middle): 2 wds. INTWO 5 Celestial sphere, like a planet ORB 3 Noah's boat ARK 3 "Eight Days a ___," The Beatles song WEEK 4

Still stuck?

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Answers come from the published Daily Themed Crossword puzzles and are updated as each new grid is released. We are in no way affiliated with or endorsed by the publishers that created the game.