# Payback: Money & Expenses — Track dues, splits and payback

> Local-first, private money tracker for lending, borrowing, and expense splitting. (iPhone/iPad app by Nivesh Kumar.)

- Source: https://appshunter.io/ios/app/payback-money-and-expenses/id6761522271 (this page in markdown: same URL + `.md`)
- Developer: [Nivesh Kumar](https://appshunter.io/developer/1881289532)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 47 MB
- Languages: English
- Released: 2026-04-03
- Data updated: 2026-07-23
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/payback-money-and-expenses/id6761522271/reviews.md

## What is Payback?

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/

## Key features

- Track lending and borrowing
- Split expenses equally or by exact amounts
- Manage personal and split spending
- Track bills and recurring payments
- Set custom reminders
- Local-first data storage
- Optional encrypted iCloud backup

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Payback Pro Monthly | $0.99 | per month |
| Payback Pro Yearly | $3.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime | $19.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/payback-money-and-expenses/id6761522271/reviews.md

### 5/5 — Always needed something like this

*2026-05-28*

Loved this app. Have been using for a few days and it looks so mature. Been using it to manage my expenses.

## Frequently asked questions about Payback

### How does Payback ensure user privacy?

Payback is a local-first app, meaning your data primarily resides on your device. It does not require an account or bank connection, and offers optional encrypted iCloud backups with retention controls for added security.

### Can I track money lent to multiple people with Payback?

Yes, you can add anyone manually or from your contacts to track money lent and borrowed. The app clearly shows who owes you and whom you owe, with running balances for partial and full settlements.

### What types of expense splits does Payback support?

Payback supports equal, exact, or percentage splits for expenses. You can also pick specific participants for each expense and choose whether to include yourself.

### Does Payback help with recurring bills and subscriptions?

Yes, Payback allows you to track recurring bills separately from general spending. It provides previews of due, overdue, and upcoming bills, with options for per-occurrence amount overrides and reminders.

### Is Payback available on multiple platforms?

Based on the provided data, Payback is supported on iPhone and iPod. Further platform availability may exist but is not detailed here.

### How often is Payback updated?

The latest version of Payback is 5.2.2, which was last updated on June 27, 2026. This indicates a recent update, suggesting ongoing development and maintenance.

### What is the user sentiment for Payback?

Payback has a perfect rating of 5.0 stars from 1 rating, indicating highly positive user sentiment based on the available data.

### Does Payback have ads?

No, Payback does not contain advertisements. The app is free to use without any ad interruptions.

## Version history (last 5 releases)

### 5.2.2 — 2026-06-27

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.

### 5.2.0 — 2026-05-20

- Fixes duplicate notifications

### 4.1.0 — 2026-05-02

Manage bills and expenses

### 2.1.2 — 2026-04-05

Various bug fixes and improvements

### 2.1.0 — 2026-04-04

Added recurring money entries for I gave and I got, with flexible schedules and better control over auto-generated entries. Improved entry flows, activity log behavior, and navigation animations. Also updated docs and internal architecture details to match the latest version.

## More apps by Nivesh Kumar

- [HouseBook - Milk & Grocery](https://appshunter.io/ios/app/housebook-milk-and-grocery/id6760244469)

All apps by Nivesh Kumar: https://appshunter.io/developer/1881289532

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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 2026-07-23.*