MyKonnash vs Payback Day

MyKonnash: Money Manager— Your Debt Book & Expense Tracker A simple yet powerful app that helps you track everything in one place, from your daily personal expenses to the credit you give your customers. Whether you're recording your first expense or managing a whole shop's accounts, MyKonnash keeps things clear, organized, and easy to use. TRACK CREDIT AND DEBTS EASILY Selling on credit? Record every debt and payment in seconds. MyKonnash Pro gives you a clear balance for every customer — who owes you, how much, and since when. Log partial payments until the debt is fully settled, and pull up a complete account statement for any client at any moment. No more chasing credit through a torn paper notebook or forgetting who owes you money. TWO MODES IN ONE APP This is what makes MyKonnash different: a Personal mode for your home budget and daily spending, and a Business mode built for your shop or small business. Switch between them with a single tap, and each mode keeps its accounts completely separate. Never mix your household expenses with your shop's credit book again. SEE YOUR MONEY CLEARLY Track your expenses and income in seconds. Categorize every transaction — food, transport, bills, rent — and understand exactly where your money goes with clean, simple breakdowns. Every payment recorded, every amount accounted for. MyKonnash supports light and dark mode, so you can use it comfortably anytime, anywhere. PLAN AHEAD WITH CONFIDENCE Follow your income and expenses with professional charts — weekly, monthly, and yearly. See your money day by day on the calendar view, and spot your peak days for sales or spending. Over time, you'll recognize your patterns and make smarter financial decisions based on real numbers, not guesswork. TRACK YOUR ITEMS AND PRODUCTS Add your shop's items and link sales to them, so you always know what sells best. One glance is enough to understand what's moving in your store. SIMPLE FOR BEGINNERS. POWERFUL FOR MERCHANTS MyKonnash is easy to start with, even if you've never used a finance app before — no accounting knowledge needed. And as your business grows, MyKonnash grows with you: from personal expense tracking to full customer credit management, item tracking, and detailed reports, everything you need is already built in. MULTIPLE CURRENCIES AND LANGUAGES MyKonnash supports all currencies — Saudi Riyal, Egyptian Pound, UAE Dirham, US Dollar, Euro, and more. Available in English, Arabic, and French, with full right-to-left support. BACKUP, EXPORT, AND FULL CONTROL Your data is always yours. Export your accounts anytime as PDF to print or share a statement with your customers, or as JSON for a complete backup — so your debt book never gets lost, even if you change your phone. PRIVATE BY DEFAULT Your financial data stays with you. MyKonnash does not require an account, does not track you, and does not send your data to the cloud. Everything runs 100% offline, locally on your device — in your shop, at the market, anywhere. WHY MyKonnash? Merchants across the Middle East and North Africa have kept customer credit in paper notebooks for generations. MyKonnash brings that trusted habit into your pocket — the same simplicity, without the lost pages, the faded ink, or the forgotten debts. Start tracking your credit and money the right way. Terms of Use: https://sites.google.com/view/iostermscarnetdecredit

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.