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Payback: Money & Expenses
Track who owes what — without a login or a bank connection
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.
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.
About Payback: Money & Expenses on Product Hunt
“Track who owes what — without a login or a bank connection”
Payback: Money & Expenses was submitted on Product Hunt and earned 7 upvotes and 4 comments, placing #65 on the daily leaderboard. 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.
On the analytics side, Payback: Money & Expenses competes within Android, Productivity and Finance — topics that collectively have 717k followers on Product Hunt. The dashboard above tracks how Payback: Money & Expenses performed against the three products that launched closest to it on the same day.
Who hunted Payback: Money & Expenses?
Payback: Money & Expenses was hunted by Nivesh Saharan. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Payback: Money & Expenses including community comment highlights and product details, visit the product overview.
Nivesh Saharan