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.

Recent changes:
Bug fixes and app improvements