PayMeLater Friend Debt Tracker vs Split2Calc
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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/
Split2Calc
Read full descriptionHide 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
Verdict
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
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.
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.
| Parameter | PayMeLater Friend Debt Tracker | Split2Calc |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (75 ratings) — better | — |
| Positive reviews | 82.1% of reviews | — |
| Number of ratings | 75 — better | — |
| Update frequency | Every 5 days | Every 4 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 61 MB | 21 MB |
| Age rating | 4+ | 17+ |
| Developer | Nicovate Limited | HRISTO STANKOV STANKOV |
In-app purchases
PayMeLater Friend Debt Tracker
- Early Adopter Special$11.991 Year
- Annual1 Year trial$23.991 Year
- Pro Lifetime$35.99
- Pro Lifetime$69.99
Split2Calc
- 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?
Is Split2Calc free?
Do PayMeLater Friend Debt Tracker or Split2Calc have ads?
Which is updated more often, PayMeLater Friend Debt Tracker or Split2Calc?
Other comparisons















