Best Pay Me Back alternatives: apps like Pay Me Back - bill splitter

10+ similar apps compared and reviewed

4.7 avg rating
10 free apps
Updated October 2026

Looking for something like Pay Me Back? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to Pay Me Back

PayMeLater Friend Debt Tracker#1

PayMeLater Friend Debt Tracker by Nicovate Limited

Track debts and split bills
Editor's Choice
๐Ÿ’ฐ Finance
4.8(72 ratings)
FreeIn-App Purchases
PayMeLater Friend Debt Tracker screenshot 1
PayMeLater Friend Debt Tracker screenshot 2
PayMeLater Friend Debt Tracker screenshot 3
PayMeLater Friend Debt Tracker screenshot 4
PayMeLater Friend Debt Tracker screenshot 5
PayMeLater Friend Debt Tracker screenshot 6

Effortlessly track money owed between friends and split group expenses. Easily record who owes whom, even for shared meals, by snapping photos of bills and assigning items. Stay on top of your social finances without the hassle.

Loan Tracker: You Owe Me#2

Loan Tracker: You Owe Me by IEVGENII IABLONSKYI

IOUs, Bills & Repayment Plans
Strong Contender
๐Ÿ’ฐ Finance
4.5๐Ÿ˜Š(356 ratings)
FreeIn-App Purchases
Loan Tracker: You Owe Me screenshot 1
Loan Tracker: You Owe Me screenshot 2
Loan Tracker: You Owe Me screenshot 3
Loan Tracker: You Owe Me screenshot 4
Loan Tracker: You Owe Me screenshot 5
Loan Tracker: You Owe Me screenshot 6

This app helps manage money shared between friends, family, or partners. It tracks loans, splits bills, and facilitates clear communication about debts and repayments with built-in message templates and professional statements.

What We Love

  • ๐Ÿ‘ Simple and easy to use
  • ๐Ÿ“ˆ Keeps records organized
  • ๐Ÿ’ก Developer is receptive to ideas
  • โœจ Improvements and adjustments made
  • ๐Ÿ’ฐ Ability to add interest
  • ๐Ÿ”„ Recurring charge function helpful
  • ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ Great for family loans
  • ๐ŸŽฏ Reminders and letters effective
  • ๐Ÿ’ฏ Highly recommended by users
  • ๐Ÿš€ Smooth app performance
  • ๐Ÿค Responsive and helpful developer
  • โœ… Intuitive interface
  • ๐Ÿงฎ Tracks loans and debts
  • ๐Ÿ“‚ Flexible editing of entries
  • ๐ŸŒŸ Fills a much-needed niche

Room to Improve

  • ๐Ÿ› Total owed calculation incorrect
  • ๐Ÿ› App freezes after data entry
  • ๐Ÿ› Data loss after updates/reinstalls
  • ๐Ÿ› Unable to see past entry details
  • ๐Ÿ› App not working after purchase
  • ๐Ÿ› UI is outdated and not intuitive
  • ๐Ÿ› In-app purchase issues
  • ๐Ÿ› Date selection off-screen
  • ๐Ÿ› Edits and save buttons not working
  • ๐Ÿ› Entries swapping categories
  • ๐Ÿ› Can't add more people after update
  • ๐Ÿ› Currency not showing
  • ๐Ÿ› No iPad support
  • ๐Ÿ› Can't add/subtract as running list
  • ๐ŸŽจ UI is too gray
SplitIt! - Fast & Easy#3

SplitIt! - Fast & Easy by Felix Op den Camp

Split Bills Easy and Fast!
Worth Considering
๐Ÿ’ฐ Finance
5.0(1 ratings)
Free
SplitIt! - Fast & Easy screenshot 1
SplitIt! - Fast & Easy screenshot 2
SplitIt! - Fast & Easy screenshot 3
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SplitIt! - Fast & Easy screenshot 5
SplitIt! - Fast & Easy screenshot 6

Effortlessly split bills with friends by simply taking a photo of your receipt. The app uses AI to recognize individual items, allowing for fair and customizable division of costs. Ideal for social gatherings and trips.

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4
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Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Who Owes Me - Payment Tracker
Remember debts, split expenses
Free

Easily track money lent and borrowed, and split expenses with friends. This app helps you remember debts, manage payments, and provides an overview of your financial obligations. It offers features like cloud sync, currency support, and data export.

Track debts and IOUsSplit expensesCloud sync across devices
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6
Pay with Sublime
Pay with Sublime
Pay with Sublime
Split up and save on bills
Free

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation
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splyt: tab & bill splitter
splyt: tab & bill splitter
splyt: tab & bill splitter
Split expense with anyone
Free

Easily split restaurant bills and get reimbursed quickly. Snap a photo of your receipt, let friends select their items, and get paid back instantly via Venmo or Cash App with auto-calculated tax and tips.

Split restaurant billsScan receiptsItem selection for friends
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Prepaid2Cash: Gift Card App
Prepaid2Cash: Gift Card App
Prepaid2Cash: Gift Card App
Redeem gift cards for cash!
Free

Easily convert prepaid and gift card balances into cash. Securely transfer funds to your bank account or debit card in minutes. Avoid losing money on unused card balances and spend your funds as you wish.

Convert prepaid and gift cards to cashDeposit funds to bank accountDeposit funds to debit card
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Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
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This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
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Debbie - Payoff, Save, Earn
Debbie - Payoff, Save, Earn
Debbie - Payoff, Save, Earn
Cashback for good money habits
Free

Earn cash rewards for achieving financial goals like paying off debt and building savings. Understand your money mindset through personalized challenges and courses to build wealth and stay debt-free.

Cashback rewards for financial goalsPersonalized payment and savings goalsWeekly financial challenges
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