Payback Buddy App vs KishtSathi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payback Buddy App
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PayBack Buddy is your personal loan reminder manager. Every time you lend money to friends or family, you can record the amount, set WhatsApp reminder templates, track full or partial repayments, and keep a clean history of who owes you what.
KishtSathi
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KishtSathi is a professional loan and EMI calculator designed for finance companies, NBFCs, microfinance institutions, loan agencies, and financial professionals. It helps calculate loan repayments quickly and accurately, making daily financial operations faster and more reliable. Features * Flat Interest EMI Calculator * Reducing Balance EMI Calculator * Monthly, Weekly, Daily & Custom EMI calculations * Loan Amount, Interest Rate & Tenure calculations * Offline calculation support * Fast, accurate and easy to use interface Designed For * Finance Companies * NBFCs * Microfinance Institutions * Loan Agents * Collection Executives * Financial Consultants KishtSathi is built to simplify loan calculations with accuracy, speed, and a clean professional interface, making it an ideal companion for finance professionals.
Screenshots
Verdict
Payback Buddy App and KishtSathi are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 13, 2026 and October 29, 2026 respectively.
| Parameter | Payback Buddy App | KishtSathi |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 41 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Utopia Med Tech Private Limited | Zikasha Consultancy LLP |
In-app purchases
Payback Buddy App
No in-app purchases
KishtSathi
No in-app purchases
