Payback: Money & Expenses

NEW in v5: detail paging, amount sorting, faster expense pages. The all-in-one money tracker that lives on your device—no account, no cloud required.

The all-in-one money tracker for everyday life. Lend. Borrow. Split. Spend. Track everything from one fast, private, local-first app.

Three simple actions cover it all:

• I gave — money you lent
• I got — money you received
• I spent — personal or split expenses

No required account. No mandatory cloud. No bank connection. Your data lives on your device.

WHY PAYBACK

• Built for real life, not bookkeeping
• Local-first by default — works fully offline
• Optional encrypted iCloud backup with retention controls
• Sign in with Apple is supported but never required
• Nine languages, light/dark/system themes

TRACK MONEY BETWEEN PEOPLE

• Add anyone manually or from your contacts
• Photos, phone numbers, notes, and optional category labels
• See exactly who owes you and whom you owe
• Partial and full settlements with running balances
• Reopen settled split shares when something changes
• Share a clean person summary or full history straight to WhatsApp

SPLIT EXPENSES THE EASY WAY

• Equal, exact, or percentage splits
• Pick participants per expense
• Include yourself or not
• Each share auto-creates a receivable so nothing is forgotten

EXPENSES, CATEGORIES & RECURRING

• Personal and split spend in one dedicated browser
• Seeded categories and subcategories — fully editable
• Recurring rules for your everyday personal spend
• Category filters, people filters, and date windows
• Stable amount sorting (high to low or low to high)

BILLS & SUBSCRIPTIONS

• Track recurring bills separately from spend
• Due-today, overdue, and upcoming previews on Home
• Per-occurrence amount overrides
• Optional bill reminders that respect your notification settings

RECURRING MONEY ENTRIES

• Repeating "I gave" and "I got" rules
• Daily, weekly, monthly, or yearly cadence
• Inline review of missed past occurrences before any backfill

REMINDERS THAT WORK

• Set reminders on entries, split shares, or bills
• One-time or recurring cadence
• Pause, resume, edit anytime
• Honors a single global notifications switch

LOCAL-FIRST AND PRIVATE

• SQLite source of truth on your device
• Encrypted local backup export and import
• Optional encrypted iCloud backup with content-hash dedupe and protected recent backups
• Clear all data anytime from Me > Data Tools

POWERFUL HISTORY

• Detail paging from any list — page through items without losing your place
• Stable date and amount sorting with cursor pagination
• Append-only activity log of every important change
• Filter by date, direction, or recurring rule
• What's New center keeps a record of every release

START SMALL, SCALE UP Feature toggles let you switch on only what you want — expense categories, recurring entries, recurring expenses, bills, person categories — and add the rest later.

NINE LANGUAGES English, Hindi, Portuguese, Indonesian, German, Arabic, Thai, French, Spanish.

WHO IT'S FOR

• Anyone tracking informal lending with friends, family, or coworkers
• People splitting rent, trips, dinners, or groceries
• Anyone who wants spending and bills without a heavy finance app
• Privacy-conscious users tired of yet another login

Payback respects your time, your privacy, and your wallet. Most people stop tracking on paper after the first week.

Subscription Terms: Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings.

Privacy Policy: https://nivesh.notion.site/Privacy-Policy-3361579e429b80118338e170f8b3225b Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/