# PayMeLater Friend Debt Tracker vs Split2Calc

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.

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.

## The numbers

| Metric | PayMeLater Friend Debt Tracker | Split2Calc |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (75 ratings)](https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997/reviews)** | — |
| Number of ratings | **75** | — |
| Positive reviews | 82.1% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 61 MB | 21 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Nicovate Limited](https://appshunter.io/developer/1108119996) | [HRISTO STANKOV STANKOV](https://appshunter.io/developer/1708785181) |

## 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 |


### Split2Calc

[App page](https://appshunter.io/ios/app/split2calc/id6475256808)

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Try-and-Go | $0.99 | per 7 days |
| Pay-As-You-Go | $3.99 | per month |
| Annual Saver | $29.99 | per year |


## Frequently asked 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.

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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.*