Payback Day: Split & Settle

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.