Klarr vs Payback Day

Klarr is a personal finance app that helps you see exactly where your money is going. Track your spending, import bank statements, scan receipts, and keep an eye on your subscriptions - all in one place, all stored privately on your device. IMPORT AND SCAN • Import bank statements from any bank in CSV, PDF, or spreadsheet format • Scan receipts with your camera to add transactions on the spot • Transactions are automatically sorted into the right categories • Duplicate transactions are detected and handled for you TRACK EVERYTHING • Add multiple accounts - bank accounts, credit cards, and wallets • Set monthly spending limits by category • See all your subscriptions in one place so nothing slips through • Track transfers between your own accounts SEE THE BIG PICTURE • Visual charts that show where your money comes from and where it goes • Spending by category, monthly comparisons, and trends over time • See how fast you are spending through the month • Budget progress so you always know where you stand YOUR PRIVACY MATTERS • Your data is stored locally on your device as the primary copy • While signed in, an encrypted backup syncs to your private account • No ads, no data selling, no third-party tracking • Export your data as a spreadsheet or PDF whenever you want ORGANIZE YOUR WAY • Create your own spending categories with custom colors and icons • Set rules to automatically tag transactions (e.g. "Netflix" goes to Entertainment) • Edit and organize imported transactions in bulk Whether you check in daily or do a monthly review, Klarr gives you a clear, honest picture of your finances - without the clutter, the ads, or the privacy concerns.

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.