Formal:
* Duty
* Responsibility
* Liability
* Commitment
* Mandate
* Requirement
* Burden
Informal:
* Debt
* Promise
* Pledge
* Need
* Must
Other options:
* Moral obligation: This emphasizes the ethical aspect of the obligation.
* Legal obligation: This emphasizes the binding nature of the obligation under the law.
* Financial obligation: This refers to a monetary obligation.
The best synonym to use will depend on the specific situation and the nuance you want to convey.