Settle balances faster, keep bills and deliveries in sync, protect unsaved entries, and enjoy cleaner reminders, backups, notifications, and expense totals, now app-wide.
The all-in-one money tracker for everyday life. Lend. Borrow. Split. Spend. Track everything from one fast, private, local-first app.
Three simple actions cover it all:
- I gave — money you lent
- I got — money you received
- I spent — personal or split expenses
No required account. No mandatory cloud. No bank connection. Your data lives on your device.
WHY PAYBACK
- Built for real life, not bookkeeping
- Local-first by default — works fully offline
- Optional encrypted iCloud backup with retention controls
- Sign in with Apple is supported but never required
- Nine languages, light/dark/system themes
TRACK MONEY BETWEEN PEOPLE
- Add anyone manually or from your contacts
- Photos, phone numbers, notes, and optional category labels
- See exactly who owes you and whom you owe
- Partial and full settlements with running balances
- Reopen settled split shares when something changes
- Share a clean person summary or full history straight to WhatsApp
SPLIT EXPENSES THE EASY WAY
- Equal, exact, or percentage splits
- Pick participants per expense
- Include yourself or not
- Each share auto-creates a receivable so nothing is forgotten
EXPENSES, CATEGORIES & RECURRING
- Personal and split spend in one dedicated browser
- Seeded categories and subcategories — fully editable
- Recurring rules for your everyday personal spend
- Category filters, people filters, and date windows
- Stable amount sorting (high to low or low to high)
BILLS & SUBSCRIPTIONS
- Track recurring bills separately from spend
- Due-today, overdue, and upcoming previews on Home
- Per-occurrence amount overrides
- Optional bill reminders that respect your notification settings
RECURRING MONEY ENTRIES
- Repeating "I gave" and "I got" rules
- Daily, weekly, monthly, or yearly cadence
- Inline review of missed past occurrences before any backfill
REMINDERS THAT WORK
- Set reminders on entries, split shares, or bills
- One-time or recurring cadence
- Pause, resume, edit anytime
- Honors a single global notifications switch
LOCAL-FIRST AND PRIVATE
- SQLite source of truth on your device
- Encrypted local backup export and import
- Optional encrypted iCloud backup with content-hash dedupe and protected recent backups
- Clear all data anytime from Me > Data Tools
POWERFUL HISTORY
- Detail paging from any list — page through items without losing your place
- Stable date and amount sorting with cursor pagination
- Append-only activity log of every important change
- Filter by date, direction, or recurring rule
- What's New center keeps a record of every release
START SMALL, SCALE UP
Feature toggles let you switch on only what you want — expense categories, recurring entries, recurring expenses, bills, person categories — and add the rest later.
NINE LANGUAGES
English, Hindi, Portuguese, Indonesian, German, Arabic, Thai, French, Spanish.
WHO IT'S FOR
- Anyone tracking informal lending with friends, family, or coworkers
- People splitting rent, trips, dinners, or groceries
- Anyone who wants spending and bills without a heavy finance app
- Privacy-conscious users tired of yet another login
Payback respects your time, your privacy, and your wallet. Most people stop tracking on paper after the first week.
Subscription Terms:
Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings.
Privacy Policy: https://nivesh.notion.site/Privacy-Policy-3361579e429b80118338e170f8b3225b
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
This app has not received enough ratings or reviews to display an overview.
This update makes Payback faster, clearer, and more reliable for everyday money tracking.
You can now settle up with a person directly from their profile whenever there is a balance due. Whether they owe you or you owe them, Payback helps clear the right amount quickly, with support for full or partial settlements.
Repeating bills, expenses, and deliveries now behave better after being paused and resumed. Payback starts again from the right date, so old paused items do not unexpectedly come back.
Delivery tracking is more accurate and easier to trust. Delivery history now shows the right receipts, delivery balances stay separate from normal spending, and delivery totals no longer affect regular expense totals unless they should.
Home and person balances are now more consistent across the app, especially around monthly totals, future expenses, shared expenses, and delivery-related amounts.
Reminders and notifications are cleaner too. Payback now does a better job removing old alerts, keeping upcoming alerts accurate, and making sure reminders, bills, and deliveries stay up to date.
Backups and restores are safer, especially for reminders and notifications after restoring on a new device.
We also added better protection when creating a new entry, so you are warned before leaving a screen with unsaved work.
Version 5.2.2
The developer, Nivesh Kumar, 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 Linked to You
The following data may be collected and linked to your identity:
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contacts
Privacy practices may vary based, for example, on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
Supported Features
Dark Interface
Information
Provider
Nivesh Kumar
Size
49.4 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.