# Pony Up: Split & Budget — Your all-in-one money toolkit > Private, customizable finance toolkit for bill splitting, budgeting, and debt management. (iPhone/iPad app by Nathan Hintz.) - Source: https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091 (this page in markdown: same URL + `.md`) - Developer: [Nathan Hintz](https://appshunter.io/developer/6777123093) - Category: Finance, Productivity - Price: Free (on sale, was $0.99) - Rating: 5.00/5 from 6 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 93 MB - Languages: American English - Released: 2026-06-15 - Data updated: 2026-07-20 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091/reviews.md ## What is Pony Up? Finance apps want a monthly subscription, all your data and drown you with ads for just one app. Pony Up doesn't. Add modules to your own customizable dashboard to do what you'd previously need four separate apps for. Pony Up is a private money toolkit you actually own. Split bills with friends, build a budget, track your subscriptions, and pay off debt — all on your phone, for no monthly fees or premium tiers. Pick the tools you need, pay once, and keep them forever. YOUR FIRST MODULE IS FREE Try any tool free for 7 days. Keep one free forever. Add more for 99¢ each — or get a bundle of 3 for $1.99. No subscriptions, ever. More finance and productivity modules coming out every month! — SPLIT BILLS — Settle up with roommates, trips, and group dinners in seconds. Scan a receipt, split it any way you want (evenly, by item, by percentage), and see exactly who owes what. No more chasing people over text. — BUDGET PRIVATELY — See what's actually safe to spend after bills and goals. Track spending by category, set budgets that roll over, manage multiple accounts, and watch your net worth grow — without ever linking a bank account. — TRACK BILLS & SUBSCRIPTIONS — Never get surprise-charged again. Pony Up reminds you before bills are due and warns you before a free trial converts to a paid plan. Catch silent price hikes and see exactly what your subscriptions cost per year. — CRUSH DEBT — Get a clear payoff plan and your real debt-free date. Compare the snowball and avalanche methods, see how much interest you'll save, and run "what if I paid extra" scenarios. Watch your progress and celebrate every debt you clear. — IT ALL WORKS TOGETHER — Pony Up is the only app that connects your splits, budget, bills, and debt. Through the dashboard any combination of modules can seamlessly combine. Scan one receipt and it splits with friends AND logs to your budget. Your upcoming bills shape what's safe to spend. It's a complete money picture nothing else can give you. WHY PONY UP IS DIFFERENT - Private by design — no bank login, no servers, your data never leaves your phone and your iCloud. - Pay once — 99¢ per tool, or your first one free. No $10/month subscription draining your account. - Built around real life — splitting with friends, not just spreadsheets. - Syncs across your devices with iCloud, automatically. No accounts. No ads. No selling your data. Just the money tools you need, that you actually own. Download Pony Up and build your money toolkit today. — Pony Up provides informational tools only and does not offer financial, tax, investment, or legal advice. Figures and projections are estimates. ## Key features - Split bills with friends - Build private budgets - Track subscriptions and bills - Create debt payoff plans - Customizable dashboard - Private data storage ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091/reviews.md ### 5/5 — Simple yet powerful *2026-07-09* Clean, fast, and no clutter, yet many features. This is exactly what a budget app should be. I picked the budget module as my free module and was set up in minutes. No confusing setup, no account-linking hoops, just a clear view of where my money goes each month. Love that you choose the module you need instead of paying for extras. Easy 5 stars. ### 5/5 — Best split payment app *2026-06-16* Significantly cheaper and more effective than every other app around. Has every feature you could possibly need and makes dividing super simple and easy ### 5/5 — Amazing value *2026-06-16* Pony up legit makes splitting payments so easy. So easy to use. Best 99 cents I’ve spent ### 5/5 — best bill split app *2026-06-16* It was easy to use and I love that I no longer have to pay monthly subscriptions. Highly recommend! ## Frequently asked questions about Pony Up ### How does Pony Up handle privacy and security? Pony Up is designed to be private by default. Your financial data never leaves your phone or iCloud, and there is no need to link bank accounts. The app does not use servers to store your information. ### What are the pricing options for Pony Up modules? The first module is free and can be kept forever. Additional modules are available for 99¢ each, or a bundle of three can be purchased for $1.99. There are no monthly subscriptions. ### Does Pony Up have ads? No, Pony Up is ad-free. The app explicitly states 'No ads' and focuses on providing a clean user experience without advertisements. ### On which devices can I use Pony Up? Pony Up is available for iPhone and iPad devices. It also syncs automatically across your devices using iCloud. ### How often is Pony Up updated? The latest version, 2.0.0, was released on July 9, 2026, indicating recent development activity. New finance and productivity modules are planned for release monthly. ### What is the age rating for Pony Up? Pony Up has an age rating of 4+. This suggests it is suitable for a wide range of users, including younger individuals learning about finance. ### Can I try Pony Up before buying modules? Yes, you can try any tool free for 7 days. After the trial, you can keep one module free forever and purchase additional ones individually or in bundles. ### Does Pony Up offer financial advice? Pony Up provides informational tools only and does not offer financial, tax, investment, or legal advice. Figures and projections are estimates intended for informational purposes. ## Version history (last 2 releases) ### 2.0.0 — 2026-07-09 Pony Up 2.0 is a whole new app. We started as a bill splitter. Now Pony Up is your complete money toolkit — and you only pay for the tools you want. NEW: Build your own dashboard Pick the tools you need from four current modules — Bill Splitter, Budgeting, Bills & Subscriptions, and Debt Planner. Try any free for 7 days, keep one free forever, and add more for 99¢ (or $1.99 for the rest). No subscription. NEW: Budgeting Private budgeting with "safe to spend," category budgets, multiple accounts, savings goals, and net worth — no bank login required. NEW: Bills & Subscriptions Reminders before bills are due, free-trial-conversion alerts so you're never surprise-charged, and price-hike tracking. NEW: Debt Planner Your real debt-free date, snowball vs. avalanche comparison, a what-if simulator, and progress tracking. NEW: It all connects Scan one receipt to split with friends and log it to your budget at once. Your bills shape your safe-to-spend. A complete money picture in one place. Plus, a beautiful redesign, added animations, ease of use changes, minor bug fixes, and lots of polish. Still private. Still pay-once. Still yours. ### 1.0 — 2026-06-15 No release notes. --- *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 2026-07-20.*