Payback: Split Bills & IOUs

Payback keeps track of who owes whom. Record money you gave, got and spent, split expenses with friends, flatmates and groups, follow bills and repayments, and settle up without arguments or spreadsheets.

Three actions cover everyday money between people:
• I gave – money you handed to someone
• I got – money someone gave you
• I spent – your own expense, or one split with others

Payback is a record of what happened. It never connects to your bank, never moves money and never lends money. When you record a payment, you update your own ledger.

WHO OWES WHOM, AT A GLANCE
• One clear balance for every person: owed to you, you owe, and net
• Partial and full repayments keep the remaining amount honest
• Undo a payment when plans change
• Photos, notes and categories for people; merge duplicates in a tap
• Pick people from your contacts; nothing is uploaded unless you choose sync

SPLIT EXPENSES THE EASY WAY
• Split equally, by exact amounts or by percentage
• Choose who takes part in each expense, with or without you
• Categories and subcategories show where money goes
• Each share becomes a receivable, so nothing is forgotten

GROUPS FOR TRIPS, FLATS AND TEAMS (FREE)
• One shared list of expenses, balances and suggested repayments
• Invite with a link or QR code
• Add guests who don't have an account; they can take over their place later
• Split by item, exact amounts or shares; attach receipts

BILLS, SUBSCRIPTIONS AND DAILY DELIVERIES
• See what's due, upcoming and paid
• Record each payment, change one bill's amount or skip a date
• Confirm daily deliveries such as milk or water
• Reminders when bills are due

RECURRING ENTRIES AND REMINDERS
• Rent, pocket money or a monthly instalment can repeat daily, weekly, monthly or yearly
• Skip a date or catch up missed ones
• Reminders on entries, shares and bills

STATEMENTS YOU CAN SHARE
• A clear statement of everything between you and someone, with a running balance
• Download as PDF, print, or share on WhatsApp
• Share a private link and turn it off whenever you like

INSIGHTS
• Spending by month, category and group, compared with the period before
• Currencies are never mixed

YOUR AI ASSISTANT, CONNECTED
• Ask ChatGPT, Claude or any assistant that supports MCP about balances, bills and groups
• Let it record entries for you, with permissions you choose
• Deletions and reversals always wait for your approval

PRIVATE BY DESIGN
• Your records live on your phone first
• Encrypted backups you control: iCloud Drive on iPhone, a folder you choose on Android
• No account needed for the phone app; optional Payback Pro adds multi-device sync and the same records on the web
• No ads, no trackers, no bank logins

ALSO ON THE WEB
Use Payback in any browser at the same address as the help center. Groups and shared expenses are free for every account.

NINE LANGUAGES
English, Hindi, Portuguese, Indonesian, German, Arabic, Thai, French and Spanish, with light, dark and system themes.

WHO IT'S FOR
• Anyone keeping track of money lent to or borrowed from friends, family and colleagues
• Flatmates splitting rent, groceries and bills
• Friends splitting trips, dinners and gifts
• Anyone who wants bills, subscriptions and deliveries in one calm place

Questions or feedback? Tap Me > Send feedback, or write to hey@nive.sh. We read every message.

Recent changes:
New group tools include invite links and QR codes, clearer balances, item-by-item splits, receipt photos and currency conversion. Share person statements as PDFs or secure links. View spending insights and a clearer Home overview. Manage scheduled bill and delivery dates, sign-in methods and devices. Includes sync, loan-interest and payment fixes.