Launching today

Payback: Money & Expenses

Launching today

Track who owes what — without a login or a bank connection

1 follower

Track who owes what — without a login or a bank connection

1 follower

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Payback is a local-first money tracker built on three buttons: I gave, I got, I spent. Track dues with friends, split expenses, log spending, and manage recurring bills — then share a clean summary on WhatsApp. No account required, no bank connection, no data collected. Your records stay on your device.

Free

Launch tags:Android•Productivity•Finance

Launch Team

Wispr Flow: Dictation That Works EverywhereStop typing. Start speaking. 4x faster.

Promoted

Maker

📌

Hi PH 👋 I'm Nivesh, the solo dev behind Payback. I made it because I kept losing track of small everyday money — who I lent to, who owed me, whether I'd already paid a bill, what I actually spent this month. My old system was Notes + WhatsApp scrollback + screenshots, and it fell apart the moment I needed a real total. Every other app wanted me to connect my bank, create an account, and basically become an accountant for what is really just a memory problem. So I went the other way: local-first, no login, no bank connection, nothing collected. Your data lives on your device, with optional encrypted backup if you want it — your call. Three buttons cover it: I gave, I got, I spent. Plus per-person history, equal/exact/percentage splits, recurring bills, reminders, and a clean WhatsApp summary for settling up. And because I built it in India, it even tracks daily milk and grocery deliveries — niche, but my favorite small detail. What it's deliberately not: a budgeting platform, a bank-sync app, or a debt-collection tool. It's free. There's an optional Pro ($0.99/mo, or $19.99 once) that mostly helps me keep building this solo — the core stays free. I shipped v1 in early April and I'm on v5 now, iterating fast on feedback. The one thing I'd love you to tell me: is it clear what Payback does within the first screen? That's the part I'm least sure of. Roast away — I'll reply to everything.

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3d ago

Maker

A question for anyone reading: what do you currently use to remember who owes you small amounts — Notes, a group chat, or just vibes? I'm genuinely curious where this fails for people.

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3d ago

Maker

If you try it and the first screen confuses you, that's the single most useful thing you can tell me. I'd rather hear "I didn't get it" than a polite "looks nice."

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3d ago

Wispr Flow: Dictation That Works EverywhereStop typing. Start speaking. 4x faster.

Promoted

Maker

📌

Report

3d ago

Maker

A question for anyone reading: what do you currently use to remember who owes you small amounts — Notes, a group chat, or just vibes? I'm genuinely curious where this fails for people.

Report

3d ago

Maker

If you try it and the first screen confuses you, that's the single most useful thing you can tell me. I'd rather hear "I didn't get it" than a polite "looks nice."

Report

3d ago