Payback: Debt & IOU Tracker
Money lent to friends & family
About
Easily track money lent or borrowed without complex spreadsheets. Log repayments, see balances at a glance, and organize all your IOUs. Offers a free tier for basic tracking and a premium subscription for advanced features like unlimited debts and detailed reports.
What's New in Payback
1.5.4
August 17, 2026
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
MoreSubscriptions & In-App Purchases
Plus Monthly
Plus features with monthly billing. Cancel anytime.
Developer apps
FAQ
How does Payback track debts?
Payback allows you to log money you've lent or borrowed, log repayments, and see updated balances instantly. You can add notes for context and use powerful search to find specific transactions.
Is Payback free to use?
Yes, Payback is free to use and includes balance and Lock Screen widgets. The free plan supports up to 5 active debts at a time.
What features are included in Payback Plus?
Payback Plus unlocks advanced features such as unlimited active debts, larger and more detailed widgets, contact linking, payment requests, recurring debts, interest tracking, due date reminders, photo receipts, and detailed statistics with PDF/CSV exports.
How much does Payback Plus cost?
Payback Plus offers two subscription options: $3.99 per month or $29.99 per year. Prices are in USD and may vary by region.
Can I manage my Payback subscription?
Yes, you can manage or cancel your subscription in your Apple Account settings after purchase. Auto-renewal can be turned off at least 24 hours before the end of the current period.
Does Payback connect to my bank?
No, Payback is designed for privacy and security. Your data stays on your device, and it does not require accounts or bank connections.
What devices does Payback support?
Payback is available for iPhone and iPad devices.
How often is Payback updated?
The latest version, 1.5.4, was last updated on August 17, 2026. Updates typically include new features and reliability improvements.
