Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.
5.0(8 ratings)
FreeIn-App Purchases
Best PayUp alternatives: apps like PayUp: Personal Debt Tracker
10+ similar apps compared and reviewed
4.7 avg rating
10 free apps
Updated October 2026
PayUp is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.
Top Alternatives to PayUp
PayMeLater Friend Debt Tracker by Nicovate Limited
Track debts and split billsStrong Contender
💰 Finance
4.8(72 ratings)
FreeIn-App Purchases
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 by IEVGENII IABLONSKYI
IOUs, Bills & Repayment PlansWorth Considering
💰 Finance
4.5😊(356 ratings)
FreeIn-App Purchases
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
- 👍 Simple and easy to use
- 📈 Keeps records organized
- 💡 Developer is receptive to ideas
- ✨ Improvements and adjustments made
- 💰 Ability to add interest
- 🔄 Recurring charge function helpful
- 👨👩👧👦 Great for family loans
- 🎯 Reminders and letters effective
- 💯 Highly recommended by users
- 🚀 Smooth app performance
- 🤝 Responsive and helpful developer
- ✅ Intuitive interface
- 🧮 Tracks loans and debts
- 📂 Flexible editing of entries
- 🌟 Fills a much-needed niche
Room to Improve
- 🐛 Total owed calculation incorrect
- 🐛 App freezes after data entry
- 🐛 Data loss after updates/reinstalls
- 🐛 Unable to see past entry details
- 🐛 App not working after purchase
- 🐛 UI is outdated and not intuitive
- 🐛 In-app purchase issues
- 🐛 Date selection off-screen
- 🐛 Edits and save buttons not working
- 🐛 Entries swapping categories
- 🐛 Can't add more people after update
- 🐛 Currency not showing
- 🐛 No iPad support
- 🐛 Can't add/subtract as running list
- 🎨 UI is too gray
