Payback: Debt & IOU Tracker
Money lent to friends & family
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New: try Payback Plus free for 7 days.
Track every IOU, log repayments, and always know who owes you what — no accounts, no bank logins, your data stays on your device.
Stop forgetting who owes you money.
Payback is a simple, elegant way to track money you've lent or borrowed — so you always know who owes you, how much, and where things stand.
No spreadsheets. No confusion. Just clarity.
STAY IN CONTROL
- Track money owed and what you owe
- Log repayments and update balances instantly
- See totals and progress at a glance
- Add notes and keep everything organised
- Find anything fast with powerful search
BUILT FOR REAL LIFE
Perfect for:
- Friends and shared expenses
- Roommates and rent tracking
- Family loans and IOUs
SIMPLE. PRIVATE. RELIABLE.
Your data stays on your device.
No accounts.
No bank connections.
Just a clean, secure way to stay on top of things.
FREE TO USE
Payback is free, including balance and Lock Screen widgets. The free plan covers up to 5 active debts at a time.
GO FURTHER WITH PAYBACK PLUS
Unlock advanced features including:
- Larger Home Screen widgets and detailed widget layouts
- Unlimited active debts
- Contact linking for easier tracking
- Payment requests using your preferred method
- Recurring debts and interest tracking
- Due dates, reminders and photo receipts
- Detailed statistics and charts
- PDF and CSV exports for reporting
ALWAYS WITHIN REACH
Use Home Screen and Lock Screen widgets to instantly see balances, upcoming amounts, and progress.
TAKE CONTROL TODAY
Download Payback and never lose track of money again.
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Prices are in USD and may vary by region. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage or cancel your subscription in your Apple Account settings after purchase.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
TRY PLUS FREE FOR 7 DAYS
New yearly subscribers now get a 7-day free trial. Try every Plus feature before you pay.
A BETTER UPGRADE EXPERIENCE
Tapping a locked feature now shows you exactly what it does. Previously these didn't respond at all.
PROGRESS WIDGET
The Progress widget is now available on your home screen.
FREE PLAN
New users can track up to 5 active debts. Existing users keep unlimited debts.
FIXES AND IMPROVEMENTS
- Fixed recurring debts occasionally creating duplicate entries
- Recurring debts now clearly show when they're paused
- "Payment History" in Settings is now "Archived Debts", which better describes what it shows
- Prices now always display in your local currency
The developer, Joshua Crellin, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joshua Crellin
- Size
- 4 MB
- Category
- Finance
- Compatibility
Requires iOS 17.2 or later.
- iPhone
Requires iOS 17.2 or later. - iPad
Requires iPadOS 17.2 or later. - Mac
Requires macOS 14.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.1 or later.
- iPhone
- Languages
- English and Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Plus Monthly $4.99
- Plus Lifetime $99.99
- Plus Yearly $29.99
- Copyright
- © 2025 Joshua Crellin