The phrase "end owing" typically implies that there is an amount of money or a debt that needs to be settled. The antonyms for this phrase could include "fully paid," "debt-free," "balanced accounts," or "square accounts." These terms suggest that there is no outstanding amount left to be paid or settled. Other antonyms could include "financially secure," "wealthy," or "well off," which imply that one has more than enough resources to cover any potential debts. Ultimately, the opposite of "end owing" is a state in which one's financial obligations have been fulfilled completely and there are no outstanding debts or liabilities to worry about.