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.