Payback: Dues & Splits

Payback is a simple and practical app to track everyday money and item exchanges without the complexity of accounting software.

Use it to record what you gave, what you got, and what you spent. Keep track of who owes you, whom you owe, what items are still pending, and which split expenses are still unsettled. Payback is designed for daily real-life use with friends, family, roommates, coworkers, and regular personal contacts.

The app is built to feel fast, clear, and easy to use. Instead of complicated bookkeeping flows, Payback focuses on three simple actions:

I gave
I got
I spent

With these three actions, you can manage personal dues, repayments, item returns, personal spending, and group split expenses in one place.

Key features:

Track money you gave or got
Record cash or credit transactions with people you know and keep a clear record of pending and settled amounts.

Track items and returns
Log items you gave or received, along with quantity and return status, so you can easily remember what is still pending.

Split expenses simply
Record shared spending and split it between multiple people using equal, exact, or percentage-based splits. Each person’s share can be tracked separately until it is settled.

Partial and full settlements
Mark entries as partially settled or fully settled so your records always stay updated.

Reminders for pending payback
Create one-time or recurring reminders for pending dues, repayments, and split shares so you do not forget to follow up.

People management
Add people manually or import them from contacts. Save optional details like phone number, notes, photo, and category.

Clear history and activity logs
View structured activity history to understand what was added, updated, settled, reminded, shared, exported, or restored.

WhatsApp-friendly sharing
Generate simple summaries and history that can be shared through WhatsApp or the system share sheet when needed.

Personalized experience
Choose your language, country, currency, and theme. Enable only the features you want, such as items, expenses, or people categories.

Backup and restore
Export an encrypted backup of your data and restore it later when needed.

Local-first by design
Your data stays primarily on your device, helping keep the app fast and private.

Payback is ideal for:

tracking money lent to friends or family
tracking money borrowed from others
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