PayWho vs FairCosts
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
PayWho
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PayWho โ 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 โ no spreadsheet needed. HOW IT WORKS Just 3 steps: 1. Add your group โ enter everyone's names 2. Add the bills โ set the amount, who paid, and who's splitting it 3. Hit Split Bill โ 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" โ 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 โ open and go No in-app purchases โ completely free Works offline โ no internet needed Handles multiple bills with different payers and different participants Clears up in seconds โ made for settling up on the spot The name? A nod to PayLah and PayNow โ because after PayWho tells you the breakdown, you know exactly who to pay.
FairCosts
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FairCosts: Your Ultimate Expense Management Solution Transform how you manage shared expenses and settle debts with FairCosts - the comprehensive mobile app that revolutionizes group expense tracking. With an intuitive interface and robust features, FairCosts simplifies expense management while prioritizing your privacy and convenience. Why Choose FairCosts? Split Bills Effortlessly Say goodbye to awkward money conversations and complicated calculations. FairCosts makes splitting expenses with friends, roommates, family, and colleagues simple and transparent. Whether you're planning a group trip, sharing household expenses, or organizing a dinner party, our app ensures everyone pays their fair share. Multi-Currency Support Travel the world without currency worries! FairCosts supports approximately 190 different currencies worldwide, including cryptocurrencies. Split bills in euros, dollars, yen, bitcoin, or any other currency. Our built-in currency converter ensures accurate calculations regardless of your chosen currency. Complete Privacy Protection Your financial data stays yours. Unlike other expense management platforms, FairCosts requires no account creation or personal data sharing. Simply download and start managing expenses immediately. All data is stored locally on your device - we never transmit your information to external servers. Global Accessibility With support for 31 languages, FairCosts serves users worldwide, making expense management accessible regardless of your linguistic background. Key Features - No Account Required - Start using immediately after download - Local Data Storage - Complete privacy with device-only data storage - 190+ Currencies - Including major cryptocurrencies - 31 Languages - Truly global accessibility - Ad-Free Experience - Focus on your finances without distractions - Multi-Group Management - Handle multiple expense groups simultaneously - Smart Debt Settlement - Automatically calculates who owes whom - Offline Functionality - Works without internet connection How It Works 1. Create Your Group Set up a new expense group and add members. Enter each participant's name and select your preferred currency. 2. Add Expenses Record expenses by specifying the amount paid, who paid, and which participants are involved. FairCosts automatically calculates each member's share. 3. Settle Debts Our smart algorithm calculates net balances between group members and identifies optimal debt settlement paths. Easily settle up with friends, family, or colleagues ensuring fairness and transparency. 4. Customize Your Experience Personalize FairCosts with configurable settings and themes for optimal usability. Perfect For - Roommates sharing rent, utilities, and household expenses - Travel Groups splitting accommodation, meals, and activities - Friends dividing dinner bills, event costs, and shared purchases - Families managing household budgets and shared expenses - Colleagues handling business trips and team events - Students sharing study materials and group project costs Privacy-First Design FairCosts takes your privacy seriously. We don't collect, store, or share any personal information. No tracking, no analytics, no data mining - just pure expense management functionality. Your financial privacy is completely protected. Why FairCosts Stands Out Unlike subscription-based expense apps that lock features behind paywalls, FairCosts provides full functionality without hidden costs. No ads interrupt your workflow, no premium tiers limit your usage, and no account requirements compromise your privacy. Experience the future of expense management. Download FairCosts today and take control of your group finances with confidence, privacy, and ease. Download FairCosts - Where Fair Sharing Meets Smart Technology
Screenshots
Verdict
The clearest difference is update cadence: PayWho at every 2 weeks against FairCosts's every 6 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayWho ships an update every 2 weeks, FairCosts every 6 months. The most recent releases landed on September 30, 2026 and October 7, 2026 respectively.
| Parameter | PayWho | FairCosts |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 weeks โ better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPod |
| Requires iOS | 15.0 โ better | 15.1 |
| Further details โ not scored | ||
| Size | 74 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | CHIAM JACK KEN | Michal Ruszkowski |
In-app purchases
PayWho
No in-app purchases
FairCosts
No in-app purchases









