# Payback Day: Split & Settle — Track debts, bills & IOUs > Track debts, bills & IOUs (iPhone/iPad app by IBCMobile.) - Source: https://appshunter.io/ios/app/payback-day-split-and-settle/id6792700265 (this page in markdown: same URL + `.md`) - Developer: [IBCMobile](https://appshunter.io/developer/625175533) - Category: Finance, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 15.1 · 36 MB - Languages: American English - Released: 2026-08-27 - Data updated: 2026-09-10 - User reviews in markdown: https://appshunter.io/ios/app/payback-day-split-and-settle/id6792700265/reviews.md ## What is Payback Day? Payback Day is the simplest way to keep track of money between people — the ₹500 you lent a friend, the dinner you split six ways, the shop credit you extend every day. WRITE IT DOWN IN SECONDS Pick the person, put the amount, done. No forms, no categories to learn. Every entry is shared with the other person the moment they join, so both of you see the same number. SPLIT BILLS WITHOUT THE ARGUMENT Add a group for a trip, a flat, or a dinner. Split equally, by share, by percentage, or by exact amounts. Payback Day works out who pays whom — always directly between the two people involved, never routed through someone else. SETTLE UP THE WAY YOU ALREADY PAY In India, tap to open any UPI app with the amount already filled in. Scan a friend's QR from their profile. Or mark a cash payment and let them confirm it. Nothing is settled behind anyone's back: a payment you record is a claim the other person accepts. DUKAAN KHATA — FOR SHOPKEEPERS Turn on the credit book and you get a proper udhaar bahi: one page per customer, entries down the page, and a running balance on every line. Payments strike the oldest entries first, exactly like paper. Optional — off unless you switch it on. BILLS AND REMINDERS Rent, EMI, electricity, subscriptions — set them once and get reminded on the day, at the time you choose. Recurring bills roll forward on their own. WORK INSTEAD OF MONEY Owe someone? Offer to do a task instead. When they approve it, the debt clears. SEE WHERE YOU STAND One number tells you whether you're up or down, per currency — the app never adds rupees to dollars. Reliability scores, built from real repayment history, tell you who settles quickly and who needs a nudge. ASK IN PLAIN LANGUAGE The built-in assistant answers questions like "how much does Arun owe me?" and can add records for you. IN YOUR LANGUAGE English, हिन्दी, Hinglish, and a dozen more — including right-to-left Arabic. PRIVATE BY DEFAULT Your records are yours. We never move money, never see your bank, and never sell data. Delete your account from inside the app whenever you like. Payback Day is free. ## Version history (last 5 releases) ### 1.6 — 2026-09-05 We’ve made PaybackDay easier, clearer, and more consistent. • A new Home: Credit Book, Reminders, Tasks, Timeline, Reports, and Refer & Earn are now visible tiles with live counts and overdue badges. • Calmer dark theme & rebuilt Profile: Your personal details, payment information, and preferences are now organized into simpler sections. • Credit Book, redesigned: The amount is front and center. Quickly record Today/Yesterday entries and mark payments as No, Full, or Part. Goods and partial payments can now be recorded in a single entry. • Smarter Spending: Create your own spending categories and record expenses using the exact calendar date you choose. • Automatic message entry: Paste a bank, EMI, or card message into Spending and PaybackDay extracts the amount and creates a short, useful label automatically. • Better iOS 18 Contacts: Contact selection and permission handling are now much smoother, including a direct shortcut to Settings when access is denied. • Refer & Earn: Invite people by name, review the terms, and request UPI payouts for earned credits. • Fixes & improvements in app. ### 1.5 — 2026-08-31 Refer & Earn Invite friends with your own code and see who actually arrives. Add someone's number to keep them under Pending until they join, share your link from anywhere, and earn credits as friends sign up and verify, 10 credits for every 3. Claim them straight to your UPI ID. A true-black dark theme Dark mode is now real black- kinder at night, and on OLED screens those pixels are simply off. Easier to read at a glance Green and red now mean one thing only: money in and money out. Each debt shows the single status that matters most instead of a pile of badges, and the buttons you actually press have moved to where your thumb is. Swipe to remind Swipe any debt or person row to send a reminder in one motion. The assistant asks before it touches money Anything the assistant records, settles or changes now shows you a summary card first. Nothing reaches your ledger without your Confirm tap. Notifications and emails in your language Reminders, nudges and monthly reports now arrive in the language you've chosen, not only English. Bug Fixes • Home no longer asks you two things at once • Chat scrolls to the message you just sent, and tapping Send mid-dictation no longer refills the box • The keyboard can't push a screen out of view any more • "You're offline" and "our server isn't answering" are separate, clearer messages • Push registration keeps retrying instead of quietly giving up • Bill Split: "Who paid?" defaults to you, and amount and currency share a line • A wrong code shows our own sentence, not a technical paragraph ### 1.4 — 2026-08-29 What’s new in this update • Refer & Earn — share your personal invite link, earn credits when new friends join, and claim rewards from More → Refer & Earn (add your UPI ID in Profile before claiming) • Smarter AI Chat — clearer person matching when you add or settle money, and a Confirm step before anything is saved so amounts don’t get recorded by mistake • Chat UX — sending a message scrolls to your latest reply so the conversation stays easy to follow ### 1.3 — 2026-08-26 - Bug fixes and app improvements - Added biometric login for faster and easier access - Faster login with phone number and OTP only, no need to remember email/passwords - Performance and stability improvements ### 1.2 — 2026-08-24 No release notes. ## More apps by IBCMobile - [Voice Saver](https://appshunter.io/ios/app/voice-saver/id644241646) All apps by IBCMobile: https://appshunter.io/developer/625175533 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-10.*