# PayBack

> Shared expense calculator for group trips that minimizes settlement transactions. (iPhone/iPad app by Andrew Cunningham.)

- Source: https://appshunter.io/ios/app/payback/id294486937 (this page in markdown: same URL + `.md`)
- Developer: [Andrew Cunningham](https://appshunter.io/developer/294486940)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 5 App Store ratings · 41 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 2 MB
- Languages: American English, Arabic, French (France), German (Germany), Italian, Brazilian Portuguese, European Spanish
- Released: 2008-10-24
- Data updated: 2026-09-09
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/payback/id294486937/reviews.md

## What is PayBack?

You go on a snowboarding trip with your mates and everybody pays for different things during the trip.  You come home with a pile of receipts and you’re trying to work out how everyone can settle up (and stay friends).   What do you do?  Get PAYBACK for the iPhone, the ultimate shared expense calculator.  Just enter the list of expenses and who they’re shared between and PAYBACK automatically calculates how you can settle your debts. What’s more, PAYBACK’s unique algorithm automatically minimizes the number of transactions needed to settle your debts. 
IF YOU HAVE FRIENDS AND YOU GO ON TRIPS, AND YOU WANT TO KEEP YOUR FRIENDS, THEN YOU NEED PAYBACK!

Make sure to send bug reports and enhancement requests to support@ipaybackapp.com!

## Key features

- Track shared expenses
- Calculate debts automatically
- Minimize settlement transactions
- Ideal for group trips
- User-friendly interface

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove Banner Ads | $0.99 | one-time |


## Recent user reviews (10 of 41)

All indexed reviews: https://appshunter.io/ios/app/payback/id294486937/reviews.md

### 1/5 — Not correct

*2020-06-16*

If there is more than 2 ppl and more expenses across them, the numbers are not right.

### 5/5 — Such an incredible help

*2018-12-18*

For years I’ve gotten together with a set of college friends. We take trips together and have always labored over how to settle up accurately. This app is really wonderful. It makes everything so painless. It takes into account every possible variation no matter who pays what, when they pay, which subset of people pay participate in a particular activity, just everything. At the end of the trip you push one button to calculate who owes what to whole and one button to send everyone what they owe.

### 5/5 — Great App

*2018-07-18, version 1.2.43*

Love this app. Have used it several times with up to 8 people, and everyone took to it like fish to water. Really simplifies group travel.

### 5/5 — Works perfectly

*2018-05-20*

I’ve used this app to share expenses with family members for many years and it works perfectly. You can log prepayments to the “trip fund” and all the details about expenses, like who used (and how much), who paid and when. In the end, the app tells you who owes how much to the others. Pretty simple and powerful

### 5/5 — BEST app in years!!

*2017-04-19*

Very easy to use, this app is simply AMAZING. It made a recent trip with friends very easy to handle payments. No more over or under payments. Very easy to use, and the option to use another currency was very useful indeed. I would def recommend it to anyone travelling with friends.

### 5/5 — Spring break lifesaver

*2015-08-07*

App performs exactly as advertised. I was so impressed, I removed the banner adds to reward the creator. Good work, and keep it up.

### 5/5 — Great for travel

*2015-05-24*

Came in useful when traveling around Europe and tracking expenses in different currencies as well as at home for monthly bills.  Also really good for a weekend with friends so everyone gets paid back.  Easy to use.

### 5/5 — Super App 👍👍👍

*2014-06-20*

wir haben zu dritt einen Städte-Tripp gemacht und immer abwechselnd bezahlt. Diese App teilt die Kosten ganz exakt auf - unverzichtbar bei der korrekten Aufteilung von Ausgaben bei Gruppen😃😃

### 5/5 — So Helpful!

*2014-02-07*

I frequently travel with friends.  Instead of constantly splitting bills in the moment, now we can just take turns paying and track the expenses here.  It can allow for couples and individuals, expenses that are only applicable to part of the group, and most anything you need.  At the end of the trip, just hit Pay Back and you will get a list of who owes what to whom, in net.  So simple! You could also use this for other thins besides traveling, such as event planning.  Best simple app!

### 5/5 — Very helpful

*2014-01-26*

I have found this to be a very useful app when traveling with family where costs are split every which way.

## Frequently asked questions about PayBack

### How does PayBack calculate who owes whom?

PayBack uses a unique algorithm to automatically calculate how debts can be settled among group members. It aims to minimize the number of individual transactions required for everyone to be square.

### Is PayBack free to use?

Yes, PayBack is available for free. There are no costs associated with downloading or using its core features for tracking and settling shared expenses.

### What platforms is PayBack available on?

PayBack is currently available for the iPhone. Information regarding availability on other platforms like Android is not provided in the app description.

### How often is PayBack updated?

The latest version of PayBack is 1.2.47, and it was last updated on November 4, 2025. This indicates a relatively active development cycle for the application.

### What is the age rating for PayBack?

PayBack has an age rating of 4+. This suggests that the app is suitable for users of all ages and does not contain any mature content.

### What do users like most about PayBack?

Users appreciate PayBack for its ability to simplify the complex task of settling shared expenses after trips. The app's core function of minimizing transactions is a key benefit highlighted by its purpose.

### Does PayBack have ads?

The provided data does not specify whether PayBack includes advertisements. However, since it is a free application and does not mention in-app purchases, it's possible it may be ad-supported.

### How can I request a feature or report a bug for PayBack?

Bug reports and enhancement requests for PayBack can be sent directly to the developer via email at support@ipaybackapp.com. This is the designated channel for user feedback.

## Version history (last 5 releases)

### 1.2.47 — 2025-11-04

Bug fixes
- Currency conversion works again
- Force "Light Mode" for the UI to workaround "Dark Mode" problems

This update also includes a message about DivvyTrip, our new and improved expense sharing app.

PayBack will continue to work, but support is now very limited. We strongly recommend downloading DivvyTrip for:

• Modern iOS design
• Cloud sync across all your devices
• Real-time collaboration
• Active support and regular updates
• Enhanced features and performance

Thank you for using PayBack over the years. We look forward to seeing you on DivvyTrip!

### 1.2.45 — 2019-04-01

Bug fix for converting currencies

### 1.2.44 — 2018-08-06

Bug fix for editing a group

### 1.2.43 — 2018-07-09

iPhone X compatibility

### 1.2.42 — 2018-02-21

Fix bug where save and cancel buttons would be disabled.

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| [KipEven - Split Group Expenses](https://appshunter.io/ios/app/kipeven-split-group-expenses/id6748286123) | — | Free | Finance |
| [Split - Expense Sharing](https://appshunter.io/ios/app/split-expense-sharing/id6504157641) | — | Free | Finance |
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## More apps by Andrew Cunningham

- [DivvyTrip](https://appshunter.io/ios/app/divvytrip/id6754256039)

All apps by Andrew Cunningham: https://appshunter.io/developer/294486940

## Related topics

[espenseshare](https://appshunter.io/ios/topics/espenseshare) · [xpayback](https://appshunter.io/ios/topics/xpayback)

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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 2026-09-09.*