Comparison

SPEND vs PayWho

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

SPEND

Effortlessly manage group expenses for trips, gatherings, and more. This app intelligently calculates and distributes costs, even handling currency exchange rates and allowing exclusion of specific participants from transactions.

Highlights
  • Expense and transfer tracking
  • Currency exchange rate support
  • Selective participant involvement
  • Automatic remaining amount distribution
  • Export to Excel (CSV)
  • Individual transaction lists
Features
Read full description

Split bills, settle group expenses and track travel costs in one place. Split dinner with friends in a few taps, or keep track of a trip day by day. SPEND helps you go from a quick calculation to recording expenses and settling up. β–  QUICK SPLITS, WITHOUT THE SETUP Enter amounts and a headcount without creating an event. Add several amounts, revisit recent calculations and make changes. Turn a calculation into a new event when you want to keep recording. β–  A PLACE FOR EVERY TRIP AND GATHERING A weekend away, a meetup with friends or a shared meal. Keep expenses in separate events, with dates, places and notes. Find the records you need by category or tag. β–  SOME COSTS FOR TWO. OTHERS FOR EVERYONE. Choose who paid and who shares each expense. Split equally, set member share ratios or enter individual amounts. Record expenses paid by more than one person. β–  LOCAL SPENDING, FAMILIAR CURRENCY Record in local currency. See costs in your everyday currency. Enter an exchange rate yourself or look up a recent rate. β–  SEE WHO OWES WHOM Review member balances and suggested settlements at a glance. Share the results with your group. β–  LOOK BACK AT WHAT YOU SPENT Explore spending over time and by category or tag. Export your records as CSV to view in Excel, or back up and restore your full records. β–  MINI GAMES FOR YOUR MEETUP Open finger, wheel and pinball games from Quick Split or the transaction list. β–  PLANNED FEATURES β€’ Real-time sharing and sync to keep records together β€’ Detailed statistics to explore spending patterns β€’ Photos and maps to capture moments and places from your travels Support: cs@spendlab.net

About

PayWho

Features
Read full description

PayWho β€” Quick Bill Splitting for Groups Going out with friends? Someone paid for dinner, someone else grabbed the cake, and not everyone shared every item. PayWho handles exactly this β€” no spreadsheet needed. HOW IT WORKS Just 3 steps: 1. Add your group β€” enter everyone's names 2. Add the bills β€” set the amount, who paid, and who's splitting it 3. Hit Split Bill β€” PayWho calculates exactly who owes who, and how much PayWho consolidates all the individual bills into the simplest possible set of transactions. Instead of a web of payments between everyone, you get a clean list: "Ben pays Alice $46.67, Claire pays Alice $30.00" β€” done. PERFECT FOR - Birthday dinners & parties - Group holidays & trips - Gatherings where different people paid for different things - Any situation where you just want to settle up fast WHY PAYWHO No login required β€” open and go No in-app purchases β€” completely free Works offline β€” no internet needed Handles multiple bills with different payers and different participants Clears up in seconds β€” made for settling up on the spot The name? A nod to PayLah and PayNow β€” because after PayWho tells you the breakdown, you know exactly who to pay.

Screenshots

SPEND4 screens
PayWho4 screens

Verdict

The call

The clearest difference is update cadence: SPEND at every 6 days against PayWho's every 2 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SPEND ships an update every 6 days, PayWho every 2 weeks. The most recent releases landed on October 15, 2026 and September 30, 2026 respectively.

Scorecard1 real difference Β· 7 level
SPEND versus PayWho: the parameters behind the verdict, then further details
ParameterSPENDPayWho
PriceFreeFree
Positive reviews90.0% of reviewsβ€”
Update frequencyEvery 6 days β€” betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.015.0
Further details β€” not scored
Size40 MB74 MB
Age rating4+4+
DeveloperJaegeun JeongCHIAM JACK KEN

In-app purchases

None

SPEND

No in-app purchases

None

PayWho

No in-app purchases

Questions

Is SPEND free?
SPEND is free to download, with no in-app purchases.
Is PayWho free?
PayWho is free to download, with no in-app purchases.
Do SPEND or PayWho have ads?
Neither SPEND nor PayWho shows ads.
Which is updated more often, SPEND or PayWho?
SPEND ships an update every 6 days, and PayWho every 2 weeks. Most recently, SPEND was updated on October 15, 2026 and PayWho on September 30, 2026.

Other comparisons