PayMeLater Friend Debt Tracker vs Splitwin

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/

Splitwin — No invasive ads. No inevitable in-app purchases. No predatory subscriptions. This is Splitwin. Stop doing mental math every time the bill arrives. Splitwin makes it effortless to track shared expenses with friends, roommates, and groups — so everyone stays on the same page without the awkwardness. HOW IT WORKS Add an expense, choose how to split it, and Splitwin handles the rest. You'll always know exactly who owes what and who's been paid back — no spreadsheets, no group chats full of "wait, how much do I owe again?" WHAT YOU CAN DO - Add friends by username or send a one-tap invite link - Create groups for trips, households, couples, events, and more - Split expenses equally, by exact amount, by percentage, or by shares - Track recurring costs like rent, subscriptions, and utilities - See at-a-glance balances — who owes you, who you owe, what's settled - Log settlements the moment someone pays you back - Browse full activity history for every friend and group - Use Splitwin in 10 languages: English, Spanish, French, Portuguese, Chinese, Japanese, Korean, Hindi, Arabic, and Indonesian and more than 20 currencies BUILT TO STAY OUT OF YOUR WAY No clutter, no bloat. Splitwin's Bauhaus-inspired design uses bold type, strong colors, and clear visual hierarchy — so you find what you need instantly and get back to your life. YOUR PRIVACY, RESPECTED Sign in with Google or Apple. Your data is only ever shared with the friends and groups you choose. No ads. No data selling. Ever. PERFECT FOR - Travel buddies splitting hotels, flights, and meals - Roommates dividing rent, groceries, and utilities - Couples managing household finances together - Friend groups handling dinners, gifts, and events - Anyone who's tired of being the one who "does the math" Fair, transparent, and completely drama-free — Splitwin keeps the money stuff simple so you can focus on the people that matter.