Comparison

PayMeLater Friend Debt Tracker vs Split2Calc

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

Split2Calc

Features
Read full description

In order to use AI feature additional subscription is required for it. Our plans are flexible and based on your needs. Smart Bill Splitting: No more confusion or awkward moments when it comes to splitting bills. With this application you can easily divide expenses among friends, roommates, or colleagues in just a few taps. Input the total bill amount, specify the number of people, and let the application handle the rest, ensuring everyone pays their fair share. Accurate Tip Calculations: Never struggle with tip percentages again! Whether you're dining out, grabbing coffee, or enjoying a night on the town, the application helps you calculate tips effortlessly. Customize the tip percentage based on your preference, and watch as the app provides instant and accurate tip amounts for an stress-free payment experience. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PayMeLater Friend Debt Tracker4 screens
Split2Calc4 screens

Verdict

The call

PayMeLater Friend Debt Tracker and Split2Calc are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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 Split2Calc sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

PayMeLater Friend Debt Tracker ships an update every 5 days, Split2Calc every 4 days. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.

ScorecardNo meaningful differences
PayMeLater Friend Debt Tracker versus Split2Calc: the parameters behind the verdict, then further details
ParameterPayMeLater Friend Debt TrackerSplit2Calc
PriceFreeFree
Rating4.8 (75 ratings) — better—
Positive reviews82.1% of reviews—
Number of ratings75 — better—
Update frequencyEvery 5 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size61 MB21 MB
Age rating4+17+
DeveloperNicovate LimitedHRISTO STANKOV STANKOV

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
3 purchases

Split2Calc

Subscriptions3
  • Try-and-Go$0.997 Days
  • Pay-As-You-Go$3.991 Month
  • Annual Saver$29.991 Year

Questions

Is PayMeLater Friend Debt Tracker free?
PayMeLater Friend Debt Tracker is free to download, with in-app purchases available.
Is Split2Calc free?
Split2Calc is free to download, with in-app purchases available.
Do PayMeLater Friend Debt Tracker or Split2Calc have ads?
Neither PayMeLater Friend Debt Tracker nor Split2Calc shows ads.
Which is updated more often, PayMeLater Friend Debt Tracker or Split2Calc?
PayMeLater Friend Debt Tracker ships an update every 5 days, and Split2Calc every 4 days. Most recently, PayMeLater Friend Debt Tracker was updated on November 6, 2026 and Split2Calc on November 8, 2026.

Other comparisons