# PayMeLater Friend Debt Tracker vs Keepfully

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.

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.

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.

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.

## The numbers

| Metric | PayMeLater Friend Debt Tracker | Keepfully |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (74 ratings)](https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997/reviews)** | [3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews) |
| Number of ratings | **74** | 30 |
| Positive reviews | **82.1% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 3 months |
| Monetization | Free with in-app purchases | Freemium |
| Size | 61 MB | 15 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch, Vision Pro** |
| Age rating | 4+ | 4+ |
| Developer | [Nicovate Limited](https://appshunter.io/developer/1108119996) | [Alexander Kaessner](https://appshunter.io/developer/1273375958) |

## What reviewers say

### PayMeLater Friend Debt Tracker

[App page](https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Early Adopter Special | $11.99 | per year |
| Annual | $23.99 | per year |
| Pro Lifetime | $35.99 | one-time |
| Pro Lifetime | $69.99 | one-time |


### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

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:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*