AxioPersonal vs Payback Day

AxioFlowPersonal Finance Tracker AxioFlowPersonal is a simple, private personal finance tracker designed to help you take control of your money. Track income and expenses, manage multiple accounts, set budgets, schedule recurring payments, and monitor installments, all from one clean and intuitive interface. Quickly log transactions from your iPhone Home Screen with the interactive AxioFlowPersonal widget. YOUR MONEY, YOUR DEVICE All your financial data stays on your device. Nothing is sent to external servers. If you enable iCloud Sync or Backup, your data is stored in your own iCloud account and never shared with anyone. INTERACTIVE HOME SCREEN WIDGET Manage your finances without opening AxioFlow. • See the balances of your 3 most-used accounts
• Quickly add Income, Expense, or Transfer
• Select an account, enter an amount, and choose a category from the widget
• Complete transactions without opening the main app
• Widget balances update automatically DASHBOARD AT A GLANCE See monthly income, expenses, and net balance in one place. The Due Today panel highlights bills and scheduled payments that need attention. View income and expense breakdowns and spending trends over time. TRANSACTION TRACKING Log income, expenses, and transfers with a built-in calculator. Browse by month in list view or by date in calendar view. Filter by account and see running balances. Swipe to delete or tap to edit. MULTIPLE ACCOUNTS Manage up to 6 account types: Cash, Debit, Credit, eWallet, Loan, and Savings. Choose which accounts are included in your total balance, track credit card debt separately, and transfer money between accounts. SCHEDULED TRANSACTIONS Set up recurring payments daily, weekly, monthly, yearly, or at the end of the month. Post full or partial amounts when they come due. Edit a single occurrence or future occurrences. Completed and expired items are automatically archived. INSTALLMENT TRACKING Track payment plans such as phone installments or loans. See how many periods you've paid and how many remain. Each installment can automatically create a scheduled transaction. BUDGETS Set monthly spending limits for expense categories and track your progress at a glance. NET WORTH See your overall financial picture with a net worth figure based on your assets and liabilities, including credit card debt and remaining installments. SPENDING INSIGHTS See your savings rate, month-over-month spending change, average daily spend, biggest expense, and top 3 expense categories. BILL REMINDERS Get push notifications when scheduled payments are due and choose your preferred reminder time. CATEGORIES Use built-in expense and income categories. Pro users can add custom categories, rename existing ones, and delete categories they don't need. iCLOUD SYNC & BACKUP Keep your data updated across devices with iCloud Sync. Create timestamped backups and restore previous backups at any time. Auto Backup runs daily when enabled. EXPORT Export transactions as a CSV spreadsheet or printable PDF report. Select a date range and get a clean summary of income, expenses, and net totals. THEMES Choose Dark, Light, or System theme. FREE TO USE AxioFlowPersonal is free with core features including up to 3 accounts, 5 scheduled transactions, and full transaction tracking. Upgrade to Pro for unlimited accounts and scheduled transactions, budgets, installments, net worth, charts, spending insights, bill reminders, iCloud Sync & Backup, exports, all themes, custom categories, and an ad-free experience. PRO OPTIONS • Monthly or Yearly subscription with a 7-day free trial
• Lifetime purchase for ₱1,290 with no recurring charges Privacy Policy: https://github.com/jchtaniegra17/axioflow-personal-privacy
Terms of Use: https://github.com/jchtaniegra17/axioflow-personal-terms

Payback Day is the simplest way to keep track of money between people — the ₹500 you lent a friend, the dinner you split six ways, the shop credit you extend every day. WRITE IT DOWN IN SECONDS Pick the person, put the amount, done. No forms, no categories to learn. Every entry is shared with the other person the moment they join, so both of you see the same number. SPLIT BILLS WITHOUT THE ARGUMENT Add a group for a trip, a flat, or a dinner. Split equally, by share, by percentage, or by exact amounts. Payback Day works out who pays whom — always directly between the two people involved, never routed through someone else. SETTLE UP THE WAY YOU ALREADY PAY In India, tap to open any UPI app with the amount already filled in. Scan a friend's QR from their profile. Or mark a cash payment and let them confirm it. Nothing is settled behind anyone's back: a payment you record is a claim the other person accepts. DUKAAN KHATA — FOR SHOPKEEPERS Turn on the credit book and you get a proper udhaar bahi: one page per customer, entries down the page, and a running balance on every line. Payments strike the oldest entries first, exactly like paper. Optional — off unless you switch it on. BILLS AND REMINDERS Rent, EMI, electricity, subscriptions — set them once and get reminded on the day, at the time you choose. Recurring bills roll forward on their own. WORK INSTEAD OF MONEY Owe someone? Offer to do a task instead. When they approve it, the debt clears. SEE WHERE YOU STAND One number tells you whether you're up or down, per currency — the app never adds rupees to dollars. Reliability scores, built from real repayment history, tell you who settles quickly and who needs a nudge. ASK IN PLAIN LANGUAGE The built-in assistant answers questions like "how much does Arun owe me?" and can add records for you. IN YOUR LANGUAGE English, हिन्दी, Hinglish, and a dozen more — including right-to-left Arabic. PRIVATE BY DEFAULT Your records are yours. We never move money, never see your bank, and never sell data. Delete your account from inside the app whenever you like. Payback Day is free.