# PayMeLater Friend Debt Tracker vs Splitwin

The clearest difference is ads: PayMeLater Friend Debt Tracker at none against Splitwin's shown. PayMeLater Friend Debt Tracker also leads on update cadence (every 5 days vs every 3 weeks). On price, in-app purchases, device support and iOS requirement 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 Splitwin sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

PayMeLater Friend Debt Tracker ships an update every 5 days, Splitwin every 3 weeks. The most recent releases landed on October 18, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | PayMeLater Friend Debt Tracker | Splitwin |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (71 ratings)](https://appshunter.io/ios/app/paymelater-friend-debt-tracker/id1108119997/reviews)** | — |
| Number of ratings | **71** | — |
| Positive reviews | 80.6% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 5 days** | Every 3 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 61 MB | 116 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 9+ |
| Developer | [Nicovate Limited](https://appshunter.io/developer/1108119996) | [Jom Belajar Sdn Bhd](https://appshunter.io/developer/1511896237) |

## 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 |


### Splitwin

[App page](https://appshunter.io/ios/app/splitwin-splitting-made-easy/id6770822265)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 15 Splitoo | $0.99 | 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 Splitwin free?

Splitwin is free to download, with in-app purchases available.

### Do PayMeLater Friend Debt Tracker or Splitwin have ads?

Splitwin shows ads; PayMeLater Friend Debt Tracker does not.

### Which is updated more often, PayMeLater Friend Debt Tracker or Splitwin?

PayMeLater Friend Debt Tracker ships an update every 5 days, and Splitwin every 3 weeks. Most recently, PayMeLater Friend Debt Tracker was updated on October 18, 2026 and Splitwin on October 16, 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.*