I Owe You is the debut studio album by American gospel singer Kierra "Kiki" Sheard.

Sheard worked with a variety of producers on the album, including Warryn Campbell, Rodney Jerkins, PAJAM, and Tonéx.

[1] AllMusic editor Andree Farias found that I Owe You "can be so easily compartmentalized is not necessarily a sign of versatility, but an indicator that KiKi is merely following the lead of others.

This is not a big deal in the case of debut albums, but the see-if-it-sticks mentality is ultimately too jarring to take in all at once.

"[4] Tony Cummings from Cross Rhythms called the album a "staggering showcase for KiKi's sinuously flowing vocals brought into pristine focus by top quality R&B production from some of the biggest names in urban music.