| Yksikön ensimmäinen persoona | Yksikön toinen persoona | Yksikön kolmas persoona | Monikon ensimmäinen persoona | Monikon toinen persoona | Monikon kolmas persoona | |
|---|---|---|---|---|---|---|
| Simple present | owe | owe | owes | owe | owe | owe |
| Present continuous | am owing | are owing | is owing | are owing | are owing | are owing |
| Simple past | owed | owed | owed | owed | owed | owed |
| Simple past | was owing | were owing | was owing | were owing | were owing | were owing |
| Simple future | will owe | will owe | will owe | will owe | will owe | will owe |
| Future continuous | will be owing | will be owing | will be owing | will be owing | will be owing | will be owing |
| Present perfect | have owed | have owed | has owed | have owed | have owed | have owed |
| Present perfect continuous | have been owing | have been owing | has been owing | have been owing | have been owing | have been owing |
| Past perfect | had owed | had owed | had owed | had owed | had owed | had owed |
| Past perfect continuous | had been owing | had been owing | had been owing | had been owing | had been owing | had been owing |
| Future perfect | will have owed | will have owed | will have owed | will have owed | will have owed | will have owed |
| Future perfect continuous | will have been owing | will have been owing | will have been owing | will have been owing | will have been owing | will have been owing |
| Yksikön ensimmäinen persoona | Yksikön toinen persoona | Yksikön kolmas persoona | Monikon ensimmäinen persoona | Monikon toinen persoona | Monikon kolmas persoona | |
|---|---|---|---|---|---|---|
| Simple present | don't owe | don't owe | doesn't owe | don't owe | don't owe | don't owe |
| Present continuous | am not owing | are not owing | is not owing | are not owing | are not owing | are not owing |
| Simple past | didn't owe | didn't owe | didn't owe | didn't owe | didn't owe | didn't owe |
| Simple past | was not owing | were not owing | was not owing | were not owing | were not owing | were not owing |
| Simple future | won't owe | won't owe | won't owe | won't owe | won't owe | won't owe |
| Future continuous | will not be owing | will not be owing | will not be owing | will not be owing | will not be owing | will not be owing |
| Present perfect | have not owed | have not owed | has not owed | have not owed | have not owed | have not owed |
| Present perfect continuous | have not been owing | have not been owing | has not been owing | have not been owing | have not been owing | have not been owing |
| Past perfect | had not owed | had not owed | had not owed | had not owed | had not owed | had not owed |
| Past perfect continuous | had not been owing | had not been owing | had not been owing | had not been owing | had not been owing | had not been owing |
| Future perfect | will not have owed | will not have owed | will not have owed | will not have owed | will not have owed | will not have owed |
| Future perfect continuous | will not have been owing | will not have been owing | will not have been owing | will not have been owing | will not have been owing | will not have been owing |