# PayUp: Personal Debt Tracker — They borrowed. Time to Pay Up

> Personal debt tracker for logging IOUs and group expenses. (iPhone/iPad app by Nick Matthews.)

- Source: https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670 (this page in markdown: same URL + `.md`)
- Developer: [Nick Matthews](https://appshunter.io/developer/1620115375)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 3 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 43 MB
- Languages: English
- Released: 2025-06-16
- Data updated: 2026-06-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670/reviews.md

## What is PayUp?

PayUp makes it easy to stay on top of what people owe you — whether it’s that lunch you covered, a concert ticket you booked, or your share of the group trip expenses. No more forgetting who owes what or chasing down payments.

Track What You're Owed: Log debts and IOUs from anyone who owes you money.
Payment History: See a record of what’s been paid back — and what hasn’t.
Split Group Expenses: Easily divide costs and track who owes you their share.
Private & Secure: No accounts, no ads — just your data on your device.

Some features in PayUp require an in-app purchase, including the ability to store unlimited records, attach pictures to your entries, and access advanced exporting options. These premium tools help you manage and share your payment history more effectively.

They borrowed. You remembered. Download PayUp now.

This app is licensed under Apple’s standard End User License Agreement (EULA)
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Log debts and IOUs
- Track payment history
- Split group expenses
- Private and secure data
- Unlimited records (premium)
- Attach pictures (premium)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Full Access | $3.99 | per month |
| Full Access | $39.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Full Access | $59.99 | one-time |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670/reviews.md

### 5/5 — Great app!

*2026-01-03*

I used this app on a recent trip with friends and it made tracking everyone’s expenses so much easier! We had a great time and spend less time worrying about money. I highly recommend using PayUp!

### 5/5 — Useful when out with friends

*2025-12-29*

I was out at the bar with friends and this app was so easy and quick to use to make 
sure they pay up. Thanks developer!!

### 5/5 — Wonderful app

*2025-12-29*

I used this app to help coordinate people paying me back for my wedding very easy to use and great to get the invoices generated! Highly recommend

### 5/5 — Very nice

*2025-06-27*

This guy better pay me back

## Frequently asked questions about PayUp

### Does PayUp have ads?

No, PayUp is ad-free. The description explicitly states 'No accounts, no ads — just your data on your device.'

### What are the subscription costs for PayUp?

PayUp offers two subscription plans: 'Full Access' for $3.99 per month or $39.99 per year. These plans unlock premium features like unlimited records and attaching pictures.

### Is PayUp secure?

Yes, PayUp is designed to be private and secure. It does not require accounts and keeps your data solely on your device.

### What devices does PayUp support?

PayUp is available for iPhone and iPod. It is licensed under Apple's standard End User License Agreement.

### How often is PayUp updated?

The latest version, 1.1.8, was released on June 17, 2025, indicating recent and ongoing development. The initial release was on June 16, 2025.

### What are the premium features in PayUp?

Premium features require an in-app purchase and include the ability to store unlimited records, attach pictures to entries, and access advanced exporting options.

### What is the age rating for PayUp?

PayUp has an age rating of 4+, making it suitable for a wide range of users.

### Can PayUp track group expenses?

Yes, PayUp allows you to easily divide costs and track who owes you their share for group expenses.

## Version history (last 1 release)

### 1.1.8 — 2025-06-17

No release notes.

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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 2026-06-25.*