Payback Day vs Paisaflow

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.

Every feature free. No premium tier, no locked buttons, no trial that expires. PaisaFlow is an expense tracker and budget planner that keeps your money data on your own phone. No account, no sign-up, no cloud. Open it and start logging. LOG AN EXPENSE IN SECONDS Most expense apps make you tap through a form. PaisaFlow opens on a keypad with the amount ready, expense preselected, and your most-used category already chosen. Two taps and the amount is all it usually takes. There is a "Save & add another" button for when you are catching up on a week of receipts. BUDGETS THAT WARN YOU IN TIME A budget that only tells you the damage afterwards is useless. PaisaFlow tracks your spending against the pace you would need to keep, so you can see you are running hot on the 10th rather than the 30th. When spending crosses a budget threshold you are told the moment it happens, with the figure, not the next time you happen to open the app. SEE WHERE THE MONEY ACTUALLY GOES - A spend-versus-pace chart with a forecast for the month - Your top spending categories, ranked, with real percentages - A calendar heat map showing which days cost you the most - Monthly trends for both spending and income - Filter any report by day, week, month or year YOUR DATA STAYS YOURS Everything is stored locally on your device. There is no account to create, no server holding your transaction history, and the app works completely offline — on a plane, on the underground, anywhere. Export the lot to CSV whenever you like and open it in any spreadsheet. Take a full backup and restore it later. It is your data, in a format you can read, that you can take with you. WHAT ELSE IS INCLUDED — ALL FREE - Income and expense tracking with custom categories - Recurring entries for rent, salary and subscriptions, entered once - Multiple budgets, weekly, monthly or yearly - 154 currencies - Full dark mode - CSV export and complete backup and restore - Undo on deletions, so a mis-swipe is not permanent BUILT TO BE READABLE Amounts line up in proper columns so you can scan them. Income and expenses are told apart by a plus or minus sign, not by colour alone, so the app still works if you are colourblind or looking at a screenshot in greyscale. Text scales with your system setting, and every screen has been checked against accessibility contrast standards. HONEST ABOUT ADS PaisaFlow is free because it shows a small banner ad. That is the whole business model. There is no paid tier and there is not going to be one, so no feature will ever be taken away and sold back to you. Ads never appear while you are entering a transaction or confirming a deletion. WHAT PAISAFLOW DOES NOT DO It does not connect to your bank. It does not sync between devices. It does not scan receipts. If you need those, another app will serve you better — and we would rather tell you now than have you find out after installing. Questions or a bug to report? Get in touch, we read everything.