Best apps like PayMeLater Friend Debt Tracker

16+ similar apps compared and reviewed

4.6 avg rating
10 free apps
Updated July 2026

PayMeLater Friend Debt Tracker is great, but it's not the only option. Explore 16+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to PayMeLater Friend Debt Tracker

Buddy: Budget Planner App#1

Buddy: Budget Planner App by Buddy Budgeting AB

Money Manager & Tracker
Editor's Choice
💰 Finance
4.7😐(9.3K ratings)
FreeIn-App Purchases
#53in Finance
Buddy: Budget Planner App screenshot 1
Buddy: Budget Planner App screenshot 2
Buddy: Budget Planner App screenshot 3
Buddy: Budget Planner App screenshot 4
Buddy: Budget Planner App screenshot 5
Buddy: Budget Planner App screenshot 6

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

What We Love

  • 🚀 Easy to use
  • 👍 Visually appealing
  • 💡 Customizable categories
  • 🚀 Intuitive interface

Room to Improve

  • 🐛 Recurring transactions not working properly
  • 🐛 Balance not carrying over to next month
  • 🐛 Syncing issues between devices
Emma - Budget Planner Tracker#2

Emma - Budget Planner Tracker by Emma Technologies LTD.

Spending, Bills, Money Saving
Strong Contender
💰 Finance
4.7😐(1.4K ratings)
FreeAdsIn-App Purchases
Emma - Budget Planner Tracker screenshot 1
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Emma - Budget Planner Tracker screenshot 3
Emma - Budget Planner Tracker screenshot 4
Emma - Budget Planner Tracker screenshot 5
Emma - Budget Planner Tracker screenshot 6

Consolidate all your financial accounts in one place to track spending, manage subscriptions, and set budgets. Receive weekly reports, daily balance notifications, and overdraft alerts. Offers bank-level security with SSL encryption and biometric authentication.

What We Love

  • 👍 Helpful for budgeting and tracking spending
  • 🚀 Efficient at categorizing transactions
  • 💡 Useful for detecting subscriptions and recurring payments
  • 👍 Intuitive and user-friendly interface

Room to Improve

  • 🔒 Concerns about data privacy and security
  • 💰 Expensive subscription model, features locked behind paywall
  • 🐛 Syncing issues, transactions not always accurately categorized
PocketGuard・Budget Planner App#3

PocketGuard・Budget Planner App by PocketGuard, Inc.

Expense & Subscription Manager
Worth Considering
💰 Finance
4.6😐(7.6K ratings)
FreeAdsIn-App Purchases
#69in Finance
PocketGuard・Budget Planner App screenshot 1
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PocketGuard・Budget Planner App screenshot 5
PocketGuard・Budget Planner App screenshot 6

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

What We Love

  • 🚀 Efficient app that helps track spending
  • 👍 Customizable budgeting categories
  • 🚀 Real-time transaction updates
  • 👍 Intuitive and user-friendly interface

Room to Improve

  • 🐛 Recurring issues with bank account syncing
  • 🔒 Security concerns with 2FA/MFA requirements
  • 🚫 Lack of support for certain banks/credit cards

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4
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
Loan Tracker: You Owe Me
IOUs, Bills & Reminders
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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.

Track loans and IOUsSplit bills easilyBuilt-in Money Messages for conversations
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Wallet: Budget & Money Manager
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Manage your personal finances with this comprehensive tool. Track expenses automatically, plan budgets, and gain insights into your spending habits. It helps you save money, manage debt, and plan for the future by consolidating all your financial information.

Automatic bank synchronizationExpense and income trackingInsightful reports and charts
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Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses
💰 Finance
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7
Spending Tracker : Wise Budget
Spending Tracker : Wise Budget
Spending Tracker : Wise Budget
Track Expenditure, Income&debt
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Manage your income and expenses with this app. Track spending, customize budget categories, and analyze your financial habits with real-time monitoring and visual reports. Secure your data with biometric authentication and cloud backups.

Expense trackingBudget managementCustomizable categories
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8
Keepfully – Loan Tracker
Keepfully – Loan Tracker
Keepfully – Loan Tracker
Organize Private Loaned Things
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Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Track money and objects lent/borrowedOrganize by person with overviewAutomatic loan reminders
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Who Owes Me - LentPal
Who Owes Me - LentPal
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Track loans, IOUs, & payments
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Easily track personal loans and casual debts with friends, family, or coworkers. Log every loan or IOU in seconds, get clear summaries of all balances, and receive reminders for payments. Avoid awkward money conversations and keep all your casual debts organized in one simple place.

Track loans instantlySmart balance overviewPayment reminders
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Debty - Private Debt Tracker
Debty - Private Debt Tracker
Debty - Private Debt Tracker
Keep track of your debts/loans
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Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

Track debts and loansManage shared expensesAutomatic calculations
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