Best Payback alternatives: apps like Payback: Debt & IOU Tracker

10+ similar apps compared and reviewed

4.3 avg rating

10 free apps

Updated October 2026

Payback: Debt & IOU Tracker

Joshua Crellin

🌟 Lifestyle

💰 Finance

Payback is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Payback

Debtyy – Debt Tracker & IOU by Akylbek Utekeshev

Who owes me? Loans to friends

Editor's Choice

💰 Finance

4.0(2 ratings)

FreeIn-App Purchases

Debtyy – Debt Tracker & IOU screenshot 1

Debtyy – Debt Tracker & IOU screenshot 2

Debtyy – Debt Tracker & IOU screenshot 3

Debtyy – Debt Tracker & IOU screenshot 4

Debtyy – Debt Tracker & IOU screenshot 5

Debtyy – Debt Tracker & IOU screenshot 6

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Dibs: Debt & IOU Tracker by Pablo Gamero

Track money owed & split bills

Strong Contender

💰 Finance

5.0(1 ratings)

FreeIn-App Purchases

Easily track who owes whom money and manage your debts. This app simplifies splitting group expenses, setting reminders for payments, and visualizing your financial balance with friends. It offers a private experience with no account or cloud storage required.

Debt Payoff: Debity by Yalcin Golayoglu

Money Manager, Credit & Loans

Worth Considering

💰 Finance

0.0(0 ratings)

FreeIn-App Purchases

More apps like Payback

FlashBill: Expense Tracker

Instant expense records

OweMate: IOU & Who Owes Me

Lend, Borrow & AI Reminders

Free

Easily track who owes you money and what you owe others. Features smart AI-generated payment reminders and support for over 70 currencies. Syncs across devices and offers PDF export for clear statements.

Track IOUs and shared expensesAI-powered payment remindersSupport for 70+ currencies

💰 Finance

(4)

free with in-app purchases

Compare with Payback

ClearDebt: Snowball Planner

Avalanche Debt Payoff Tracker

Free

This app helps you track, manage, and eliminate various types of debt. It offers payment reminders, a payoff simulator, and progress visualizations to motivate you towards financial freedom. Premium features include budgeting and advanced analytics.

Track unlimited debtsSmart payment remindersPayoff simulator

💰 Finance

(2)

free with in-app purchases

Compare with Payback

IOU - OweTracker

Who Owes Me - Debt Tracker

Free

Easily track money lent, borrowed, and owed without spreadsheets. Manage personal debts, shared expenses, and recurring bills with clear overviews of balances and payment history. Log payments instantly and stay organized with automatic tracking for monthly charges.

Track money lent, borrowed, and owedFilter debts owed to you vs. money you oweView balances, payment history, and upcoming charges

Who Owes Me - LentPal

Track personal debts & IOUs

Free

Easily track personal loans and casual debts with friends, family, or coworkers. Log every loan or IOU in seconds, get clear summaries of all balances, and receive reminders for payments. Avoid awkward money conversations and keep all your casual debts organized in one simple place.

Track loans instantlySmart balance overviewPayment reminders

Debt Buddy - Money Tracker

Manage loans, get repaid

Free

This app helps you track and manage personal debts and loans. It offers features like payment reminders, interest calculation, and a simple interface to monitor repayment progress.

Easy debt trackingPayment remindersInterest calculation

PayMeLater Friend Debt Tracker

Track debts and split bills

Free

Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

Track running tallies of debtsSplit bills by assigning items from receipt photosSign up with phone number

💰 Finance

(72)

free with in-app purchases

Compare with Payback