Payback: Money & Expenses

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.