# Payback: Debt & IOU Tracker — Money lent to friends & family

> Money lent to friends & family (iPhone/iPad app by Joshua Crellin.)

- Source: https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066 (this page in markdown: same URL + `.md`)
- Developer: [Joshua Crellin](https://appshunter.io/developer/1859115556)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.2 · 4 MB
- Languages: American English, European Spanish
- Released: 2025-12-12
- Data updated: 2026-08-24
- User reviews in markdown: https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066/reviews.md

## What is Payback?

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.

—

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Plus Monthly | $3.99 | per month |
| Plus Yearly | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Plus Lifetime | $99.99 | one-time |



## Version history (last 5 releases)

### 1.5.4 — 2026-08-17

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

### 1.5.1 — 2026-07-07

Payback now speaks Spanish!

The whole app — every screen, widget, and reminder — is now available in Spanish. Set your device to Spanish and Payback switches automatically.

Thanks for using Payback!

### 1.5.0 — 2026-07-01

Payback just got its biggest makeover yet!

We've completely refreshed the look of the app — cleaner, more modern, and easier on the eyes from top to bottom.

What's new:
• A redesigned home screen with a simpler bottom bar — add a debt in one tap from the center button, and search + filter in one place
• Make it yours — pick a background colour in Settings › Appearance
• A cleaner, more readable design everywhere, from your debt list to your statistics
• A fresh, less cluttered Plus screen
• "Mark as Fully Paid" now asks to confirm — no more settling a debt by accident
• Quicker actions — Add Payment and Mark as Paid are right where you need them on each debt

Thanks for using Payback! We'd love to hear what you think.

### 1.4.3 — 2026-05-01

bug fixes and updated privacy policy and support links.

### 1.4.2 — 2026-04-23

Thanks for using Payback!

This update improves the overall experience and makes the app feel more polished.

- Introduced Lifetime Access — pay once, use Payback Plus forever
- Founding member pricing has ended — existing subscribers are not affected
- Added a section to discover our other apps
- Improvements and refinements across the app

More updates coming soon.

## More apps by Joshua Crellin

- [Nemesis - Trading Planner](https://appshunter.io/ios/app/nemesis-trading-planner/id6762073456)

All apps by Joshua Crellin: https://appshunter.io/developer/1859115556

## Related topics

[iou tracker](https://appshunter.io/ios/topics/iou-tracker) · [iou friend](https://appshunter.io/ios/topics/iou-friend)

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*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 2026-08-24.*