# PayMeLater Friend Debt Tracker — Track debts and split bills

> App to track debts and split bills among friends. (iPhone/iPad app by Nicovate Limited.)

- Source: https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997 (this page in markdown: same URL + `.md`)
- Developer: [Nicovate Limited](https://appshunter.io/developer/1108119996)
- Category: Finance, Social Networking
- Price: Free with in-app purchases
- Rating: 4.70/5 from 67 App Store ratings · 36 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 67 MB
- Languages: American English, Arabic, Danish, Dutch, Filipino, French (France), German (Germany), Hindi, Indonesian, Italian and 9 more
- Released: 2016-05-04
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997/reviews.md

## What is PayMeLater Friend Debt Tracker?

Just tell your friends "PayMeLater", and you'll no longer wonder "did my friend pay me back for those cinema tickets 2 weeks ago?" Simply keep track of the running tally of what everyone owes.

- Snap a picture of the restaurant bill, and simply drag and drop people to the items they actually ordered! "Check Please!"
- Easily sign up with your telephone number. No messing around with emails and passwords!
- Your friends can also add/edit debts - contributing to the ongoing tally. (Naturally it is in their best interest to keep it up to date).
- Don't agree with what your friends have added? Simply edit or delete their entries, and they will get the update as well!
- Automatically match with your friends based on the phone number you sign up with.
- Change currencies easily and the app intelligently applies foreign exchange rates.

WHY PAYMELATER?
• Debt tracker and IOU manager for friends, roommates and groups
• Bill splitter: split restaurant bills, rent, trips and shared expenses
• Money lending tracker — remember who borrowed cash and who paid you back
• Multi-currency ledger with automatic exchange rates
• Shared tallies: both sides see and update the same balance
• Works offline too — track debts without an account

Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Track running tallies of debts
- Split bills by assigning items from receipt photos
- Sign up with phone number
- Friends can add/edit debts
- Edit or delete entries
- Automatic friend matching via phone number
- Multi-currency support with exchange rates

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual | $23.99 | per year |
| Early Adopter Special | $11.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro Lifetime | $35.99 | one-time |
| Pro Lifetime | $69.99 | one-time |


## Recent user reviews (10 of 36)

All indexed reviews: https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997/reviews.md

### 5/5 — Great app

*2026-02-28, version 3.6.11*

Easy and very convenient

### 5/5 — Organized thoughts with ease 🪧

*2025-11-15, version 3.6.8*

Been using the free version.

### 5/5 — Great app

*2025-04-27, version 3.5.9*

Great app, I have been using it for a couple of months now.
It does the job very well and quickly and is more convenient than having to use a notepad or something.
It is more reliable as well since you can have a more precise record of your personal transactions than you could ever do yourself.

### 1/5 — Was Brilliant

*2025-01-19, version 3.5.2*

This app was brilliant, but now it has a pro subscription to properly be able to use the app, it’s basically rendered pointless. I would be more than happy to pay a one off fee but a recurring fee for this is really ridiculous. Such a shame.

### 1/5 — Basically have to pay to use it now

*2024-11-20, version 3.4.1*

Can only do 3 entries a day until you have to pay the monthly subscription. Should have known this was coming

### 5/5 — Exactly what I was looking for!

*2024-10-27, version 3.3.17*

A free app to keep track of what I owe friends/family, or they owe me!  Doesn’t require sign up, logging in with email or other personal data.  It’s not outdated, like so many apps are. Just a straightforward way to keep track of splitting expenses, loaning, borrowing etc!!
So far great!

### 4/5 — Nice but critical feature missing for me

*2024-10-08, version 3.3.17*

I was planning to transfer transactions from another application but I can’t set a date for loans/repayments, so all the transactions would have occurred within a few minutes of each other. That’s not useful to me so I’ve deleted the app. It’s clean and slick though.

I’m also not keen on using my telephone number. Would prefer to use my email address, or even better, sync via iCloud?

### 5/5 — Best App I’ve Tried

*2024-09-20*

It was the only app that didn’t require any purchases to use. Does exactly what I need it for

### 5/5 — Great app!

*2024-09-05, version 3.3.15*

I really like this app. It's just so easy to use

### 3/5 — Great

*2024-02-05*

Nice app well done for uploading but design look and feel it’s like someone without taste to design was doing it

## Frequently asked questions about PayMeLater Friend Debt Tracker

### What does PayMeLater Friend Debt Tracker do?

This app helps you keep track of money owed between you and your friends. You can easily record who owes whom, especially for shared expenses like meals or group outings. It aims to eliminate the confusion of remembering past IOUs.

### How do I split bills with friends using this app?

You can split bills by taking a picture of the restaurant receipt. Then, you can drag and drop people to the specific items they ordered. This ensures an accurate tally of individual contributions to the total bill.

### Is PayMeLater Friend Debt Tracker free to use?

The app is free to download and use, with in-app purchases available. This means core functionality is accessible without cost, but certain advanced features or options might require a purchase.

### How does the app match me with my friends?

The app automatically matches you with your friends based on the phone numbers you both use to sign up. This simplifies the process of connecting with people you know and owe money to or who owe you money.

### Can my friends add or edit debts?

Yes, your friends can also add and edit debts within the app. This collaborative approach helps maintain an up-to-date tally of what everyone owes. You also have the ability to edit or delete their entries if there's a disagreement.

## Version history (last 5 releases)

### 3.9.9 — 2026-08-23

- Added the ability to convert an online contact into an offline contact.
- Improved multiple languages UX.

### 3.9.8 — 2026-07-27

Fixes and improvements for multiple language support

### 3.9.6 — 2026-07-25

Fixed a bug where PayMeLater could open in Arabic on devices set to a language we do not support yet. It now falls back to English.

### 3.9.5 — 2026-07-23

Pro is now available forever!

• Pay once, keep Pro forever
• No renewals, nothing expires
• Prefer a subscription? Still available

### 3.9.4 — 2026-07-09

Minor user-experience improvements

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## More apps by Nicovate Limited

- [Check Please! AI Bill Splitter](https://appshunter.io/ios/app/check-please-ai-bill-splitter/id6757352579)

All apps by Nicovate Limited: https://appshunter.io/developer/1108119996

## Related topics

[paymelater friend debt tracker](https://appshunter.io/ios/topics/paymelater-friend-debt-tracker) · [debt ruthless](https://appshunter.io/ios/topics/debt-ruthless) · [iou tracker](https://appshunter.io/ios/topics/iou-tracker) · [iou friend](https://appshunter.io/ios/topics/iou-friend) · [owe](https://appshunter.io/ios/topics/owe)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*