Comparison

PayWho vs PaySplit

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

Head to head
About

PayWho

Features
Read full description

PayWho — 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 — no spreadsheet needed. HOW IT WORKS Just 3 steps: 1. Add your group — enter everyone's names 2. Add the bills — set the amount, who paid, and who's splitting it 3. Hit Split Bill — 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" — 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 — open and go No in-app purchases — completely free Works offline — no internet needed Handles multiple bills with different payers and different participants Clears up in seconds — made for settling up on the spot The name? A nod to PayLah and PayNow — because after PayWho tells you the breakdown, you know exactly who to pay.

About

PaySplit

Easily track shared expenses like rent and trip costs with friends and roommates. This app offers a private way to settle debts, with no accounts or ads required. It helps you see clear balances and suggests the most efficient way to settle up.

Highlights
  • Track group expenses
  • Clear balance visibility
  • Smart settlement suggestions
  • Multi-currency support
  • iCloud group sharing
  • Voice entry (Pro)
Features
Read full description

Split shared bills without the awkward math. PaySplit shows who paid, who owes, and the fewest payments to settle up. No accounts. No ads. Private iCloud sharing. MADE FOR SHARED LIFE Rent, utilities, groceries, dinners, trips: if more than one person paid or benefited, PaySplit keeps it clear. • See exactly who owes what, at a glance. • Add an expense in seconds and choose who shares it. • Settle with fewer payments, not a web of IOUs. • Tap any balance to see how it was built: which expenses, which shares, which payments. • Share a group through iCloud. Your people do not need to create an account. • Keep groups in different currencies, with a running total in yours. NEW IN 2.1 • Receipt inbox: share a receipt from Photos, Mail or Messages and it waits for you to turn it into an expense. • Widgets and controls: balances on your Home and Lock Screen, and Add Expense from Control Center. • Spotlight: find any expense or payment from anywhere on your iPhone. • Siri that asks first: Add Expense and Record Payment confirm the details before saving. HOW IT WORKS 1. Create a group for your home, trip, or night out. 2. Add expenses as they happen. 3. Check balances and settle when you are ready. PAYSPLIT FREE & PRO Start free with your first 50 lifetime expenses, then 10 new expenses each month. PaySplit Pro adds: • Unlimited expenses • Recurring bills for rent, internet and other regular costs • Voice entry: say "Pizza, $42, split with Alex and Sam." • Line-by-line receipt splitting • Search across your history • Spending insights • CSV and PDF export $2.99/month or $14.99/year. YOUR DATA STAYS YOURS PaySplit stores group data in your iCloud account using Apple's CloudKit infrastructure. We have no servers and collect no data. Read the full policy at https://getpaysplit.app/privacy. QUESTIONS? Email support@getpaysplit.app. Every message reaches the developer directly. Subscription terms: PaySplit Pro auto-renews monthly or annually until cancelled. Manage or cancel anytime in Settings > Apple ID > Subscriptions. Payment is charged to your Apple ID. Subscriptions renew automatically unless turned off at least 24 hours before the end of the current period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PayWho4 screens
PaySplit4 screens

Verdict

The call

The clearest difference is in-app purchases: PayWho at none against PaySplit's 3. PayWho also leads on iOS requirement (15.0 vs 26.0). On price, update cadence, ads and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PaySplit sells 3 in-app purchases, starting at $2.99 per month. PayWho asks for nothing beyond the download.

UpkeepUpdate frequency

PayWho ships an update every 2 weeks, PaySplit every 3 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 7 level
PayWho versus PaySplit: the parameters behind the verdict, then further details
ParameterPayWhoPaySplit
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better26.0
Further details — not scored
Size74 MB16 MB
Age rating4+4+
DeveloperCHIAM JACK KENRicardo Carvalho

In-app purchases

None

PayWho

No in-app purchases

3 purchases

PaySplit

Subscriptions2
  • PaySplit Pro Monthly1 Month trial$2.991 Month
  • PaySplit Pro Yearly1 Year trial$14.991 Year
One-time1
  • Group Pass$4.99

Questions

Is PayWho free?
PayWho is free to download, with no in-app purchases.
Is PaySplit free?
PaySplit is free to download, with in-app purchases available.
Do PayWho or PaySplit have ads?
Neither PayWho nor PaySplit shows ads.
Which is updated more often, PayWho or PaySplit?
PayWho ships an update every 2 weeks, and PaySplit every 3 weeks. Most recently, PayWho was updated on October 27, 2026 and PaySplit on October 24, 2026.

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