Comparison

PayMeLater Friend Debt Tracker vs Keepfully

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayMeLater Friend Debt Tracker

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.

Highlights
  • 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
Features
Read full description

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/

About

Keepfully

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.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

Screenshots

PayMeLater Friend Debt Tracker4 screens
Keepfully4 screens

Verdict

The call

The clearest difference is rating: PayMeLater Friend Debt Tracker at 4.8 against Keepfully's 3.9. PayMeLater Friend Debt Tracker also leads on review sentiment (82% vs 50%) and update cadence (every 5 days vs every 3 months). Keepfully's advantage is device support (4 vs 2). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PayMeLater Friend Debt Tracker sells 4 in-app purchases, starting at $11.99 per year and Keepfully sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

PayMeLater Friend Debt Tracker holds the better App Store score, 4.8 against 3.9. Both are backed by a comparable volume of ratings — 74 and 30 respectively. Written reviews point the same way: 82% of PayMeLater Friend Debt Tracker's written reviews are positive against 50% of Keepfully's.

UpkeepUpdate frequency

PayMeLater Friend Debt Tracker ships an update every 5 days, Keepfully every 3 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
PayMeLater Friend Debt Tracker versus Keepfully: the parameters behind the verdict, then further details
ParameterPayMeLater Friend Debt TrackerKeepfully
PriceFreeFree
Rating4.8 (74 ratings) — better3.9 (30 ratings)
Positive reviews82.1% of reviews — better50.0% of reviews
Number of ratings74 — better30
Update frequencyEvery 5 days — betterEvery 3 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad, Apple Watch, Vision Pro — better
Requires iOS16.0 — better18.4
Further details — not scored
Size61 MB15 MB
Age rating4+4+
DeveloperNicovate LimitedAlexander Kaessner

Customer experience

PayMeLater Friend Debt Tracker

All ratings72 ratings
Positive95.8%
Neutral4.2%
Negative0.0%
Written reviews39 reviews
Positive82.1%
Neutral5.1%
Negative12.8%

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

4 purchases

PayMeLater Friend Debt Tracker

Subscriptions2
  • Early Adopter Special$11.991 Year
  • Annual1 Year trial$23.991 Year
One-time2
  • Pro Lifetime$35.99
  • Pro Lifetime$69.99
1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99

Questions

Is PayMeLater Friend Debt Tracker free?
PayMeLater Friend Debt Tracker is free to download, with in-app purchases available.
Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Which has better reviews, PayMeLater Friend Debt Tracker or Keepfully?
PayMeLater Friend Debt Tracker is rated higher. PayMeLater Friend Debt Tracker averages 4.8 out of 5 from 74 ratings, while Keepfully averages 3.9 from 30 ratings.
Do PayMeLater Friend Debt Tracker or Keepfully have ads?
Neither PayMeLater Friend Debt Tracker nor Keepfully shows ads.
Which is updated more often, PayMeLater Friend Debt Tracker or Keepfully?
PayMeLater Friend Debt Tracker ships an update every 5 days, and Keepfully every 3 months. Most recently, PayMeLater Friend Debt Tracker was updated on November 2, 2026 and Keepfully on November 3, 2026.

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